If the unthinkable happens and you need to make a claim on one of your insurance policies then don't panic. The following points are here to assist in guiding you as to what procedures you should follow once you are aware that a potential claim has arisen.

In all events please call us so that our staff can help progress your claim as quickly as possible at what can be a distressing time.

Motor Claims - Accidents & Losses

• Before you do anything else take the necessary steps to deal with any injured parties. Call the appropriate emergency services if required

• Note the registration number of the other vehicles involved

• Ask for the name and addresses of people involved and any witnesses

• Make a sketch plan of the scene of the accident and please try to take photographs if at all possible

• Do not admit responsibility or sign any statement that the accident was your fault

• If the accident resulted in damage to another vehicle, an animal or other property to comply with the law you must stop, and

  • provide your name, address and registration details of the vehicle to anybody reasonably requesting the information

  • If anyone other than yourself is injured you must show your certificate to the police or to any other person reasonably asking for it. If you cannot do this at the time of the accident, report the accident to the police as soon as possible and in any case within 24 hours

  • If you have caused damage to another vehicle or property you must show your certificate to any person who reasonably asks for it

• You must report all accidents and losses immediately. If your car is damaged in any way which is insured under the policy please telephone the helpline shown in your policy

• Delay can involve higher costs which may go against your driving record. If the delay is extreme, cover may be refused

• If your car has been stolen please notify the police as soon as the loss is discovered

• Please send us immediately any letters, summonses, writs or notices you receive and do not answer them

• In all cases please inform us even if you have already contacted your helpline so that we can make any arrangements necessary to progress your claim as quickly as possible

Business and Household Property Claims

• If your property is damaged in any way which is insured under the policy please telephone the helpline shown in your policy

• Please obtain estimates to replace or repair damage and if possible obtain a report on any damaged machinery or domestic item

• All damaged items should be retained for your insurer's inspection if this is later found to be necessary

• In all cases please inform us even if you have already contacted your helpline so that we can make any arrangements necessary to progress your claim as quickly as possible

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