Here you’ll find a guide on how claims process works & how to make a successful claim.
We know how stressful it is if you need to make a claim. We work hard with our insurer partners to make the process as easy for you as possible. If at any point you need some support or assistance, we’d be happy to help.
Step 1: In the event of an emergency, check any Home Emergency cover you may have, as this may be a more suitable policy for you to claim on. For Household Home Emergency Claims, please call: 0333 234 3483. For Landlord Home Emergency Claims, please call: 0333 234 3485
Step 2: Check your policy wording, which give details of what is covered and what is not covered. If you have any questions, we’d be happy to help
Before you make a claim, here’s a checklist for what you might need
Step 3: Please contact the insurer at your earliest opportunity. If you are unsure, your insurer can be found on your Policy Schedule.
Depending on your insurer, some claims are handled by a dedicated claims company on their behalf; however, this should not impact how your claim is handled or the service you should expect to receive.
|AXA||Your Home, Your Essentials, Your Let Property||0330 024 6842|
|Covea||Your Home||0330 024 2255|
|Covea||Your Let Property||0330 024 2266|
|Geo||Your Home, Your Essentials, Your Let Property||0345 074 4760|
|LV=||Your Home, Your Essentials||0800 032 2585|
|Prestige||Your Home||0800 032 7327|
|UK General||Your Home, Your Let Property||0344 412 4258|
Step 4: Your claim will be settled either by repairing, reinstating, or replacing the lost or damaged property
Excess is the first amount of any claim for which you are responsible.
The standard excess for First2Protect products are:
|Your Tenants Contents||£50|
|Your Let Property||£100|
There are a couple of scenarios where a different excess may apply. Claims for escape of water/subsidence/special terms may be more and these will always be displayed on your Policy Schedule
If a claim is made under more than one section resulting from the same incident, only one excess will be deducted. In the event that the excess amounts differ, then the higher of the two will be deducted.
If you do make a claim, the price of your home insurance could increase when you next renew your policy with us.
An individual item of a matching set of articles or suite of furniture or sanitary ware or other bathroom fittings is regarded as a single item. Your insurer will pay you for individual damaged items but not for undamaged companion pieces.
If the individual damaged items cannot be repaired or a replacement found we will also pay up to 50% towards the undamaged part of the set or suite of furniture, sanitary ware or bathroom fittings.
Where carpeting is damaged beyond repair only the damaged carpet will be replaced; not undamaged carpet in adjoining rooms.
There are some common scenarios which might impact a claim being paid. By sharing this, we hope that you better understand what your policy is and isn’t designed to cover.
You should ensure that any property covered this policy is maintained in good condition. Property insurance is designed to cover unexpected loss or damage which means that the majority of policies will not cover ‘wear and tear’.
What is wear and tear?
Wear and tear is damage that naturally and inevitably occurs as a result of normal wear or ageing. There are different ways that wear and tear can occur. For example:
How to reduce wear and tear within your property
Having the right level of cover
It’s really important that you make sure that the amount you insure represents the full value of your property on an ongoing basis.
Things you should think about are:
To calculate what cover you need
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