Making a claim

Before you start, check the following:

  • Your excess – you may have to pay this amount towards claims you make. You can see these on your Policy Schedule. Different types of claim may have different excesses.
  • Your cover – make sure you’re covered for the claim you need to make by checking your Policy Wording and schedule.

You’ll only be able to claim for damage caused by an accident if you have Accidental Damage cover on your policy.

Have as much detail as possible to hand when you register your claim, such as when the incident happened, and the value of any items you’re claiming for. You'll also need an email address to start your claim online.

What happens next

Once you’ve submitted the form, we'll get in touch as soon as we can. We may have more questions for you about your claim, or we may be able to arrange payment straight away, depending on the claim.

About your claim

Tell us what’s happened

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Buildings refers to your walls, roofs, windows, and anything else that’s part of the fundamental structure of your home - including fixtures and fittings like your bathroom suite, your garage or outbuilding, driveway, patios, walls, fences and gates. Contents refers to anything inside your home that isn’t fixed, such as your electricals, clothing and possessions. Your carpets are also included as contents.

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Please answer this to the best of your knowledge. Don't worry if you don't know but here's a quick summary: Accidental damage - Something has been broken or damaged. Fire - This refers to damage caused by heat or smoke. Weather - A storm, flood or strong wind has caused the damage. Escape of water - A leak, or burst pipe. Theft - An item has been stolen from your home or from you while you were out. Malicious damage - Someone has deliberately caused damage to your home or contents. Impact - Something has hit your home.

About your incident

Where, when or how did the loss or damage occur?

You can upload up to five images relating to the incident.


Total size of the image(s) must be 5MB


Uploading photographs

About your items

Please list the items below

Additional information

For example your home isn’t secure, or you’re without hot water, or have no electricity.

About you

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We’ll use this to call you back about the claim.

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Please tell us if you have an alternative number.

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You’ll find this on your policy schedule, but don’t worry if you don’t have it to hand.

About the policyholder

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We’ll use this to call you back about your claim.

About the home

About your circumstances

Before submitting your claim, please answer the following questions:

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Family members include partners, spouses, relatives and extended family, and domestic employees.