Claims

MOTOR, HOME OR BUSINESS INSURANCE CLAIMS

We are here to help you and guide you through the claims process.

You may notify the insurer in a number of ways:-

1. You may ring or e-mail us with details of the loss and we will report it to the insurers on your behalf

2. You may ring the insurers directly on their 24 hour claims helpline numbers (this is often the quickest way to get the claim process started) - insurer telephone numbers below.

3. You may send us a claim form.  However, we recommend that you fax or e mail this to us, in order to avoid delays.

If there is anything that you are unsure of, or if you require help and guidance on any aspect of your claim, please do not hesitate to telephone us on 0116 284 6090 for advice

click here for further guidance on motor claims
Click here for further guidance on home claims
click here for further guidance on property claims
click here for further guidance on liability claims

Insurer Claims Contact Details

If you wish to report a new claim or incident, please refer to your policy booklet, policy summary or certificate for your insurance company details. You should contact ourselves or the insurance company  claims department direcly as soon as possible using the contact details below. If in doubt about who you should advise, please contact us by telephone or e-mail during office hours. Insurer Direct Claims Numbers AIG  Property Insurance Claims - 0870 420 1164 AIG Liability Insurance Claims - 02920266269 Allianz: 0845 600 0676 – Motor Insurance Claims Allianz: 0845 073 1114 - Home Insurance Claims Allianz: 0844 8719786 0 Shop & Office Insurance Claims Aviva: 0800 678 999 – Motor Insurance Claims Aviva: 0800 246 876 - Motor Fleet Insurance Claims Aviva: 0800 012 345 - Household Insurance Claims Aviva: 0800 015 3021 - Household (Distinct Policies) Insurance Claims Aviva: 0800 015 1498 - Shops, Offices & Business Insurance Claims Aviva: 0800 028 4666 - Motor Fleet Insurance Claims Aviva: 0800 246876 - Commercial Motor Insurance Claims AXA: 0870 556 1161 - Household Insurance Claims AXA: 0870 900 1175 – Motor Insurance Claims AXA: 0870 241 8178 - Tradesman's Liability Insurance Claims Chartis Property Insurance Claims - 0870 420 1164 Chartis Liability Insurance Claims - 02920266269 Chaucer: 0800 072 2050 Congregational & General: 01274 700 700 Equity: 0844 608 1937 - Motor Equity: 0844 335 0132 - Household Fortis: 0870 122 2021 - Household Fortis: 0238 031 2222 – Motor Fortis: 0845 122 3283 - Commercial Groupama: 0870 240 1895 – Motor Groupama: 0870 240 3093 - Household Highway: 0871 222 6062 Home & Legacy: 0844 893 8370 KGM: 0844 412 6412 Legal & General: 01473 228 300 LV - 0845 640 5170 MMA: 0870 844 4441 - Household MMA: 0844 902 2220 – Motor MMA - 0844 902 0790 - Tradesman's Liability MMA - 0844 902 0790 - Commercial Property NIG: 0845 607 1626 – Household NIG: 0870 151 5596 – Motor Property Protector  Residential- Zurich - 01708 816524 - or to report online click here Property Protector Residential - Axa - 0844 892 1694 or to report online click here Provident: 08705 320 999 Rentguard: 0800 408 5565 Royal & Sun Alliance: 0845 675 0404 – Commercial Vehicle Royal & Sun Alliance: 0870 165 0501 – Motor Royal & Sun Alliance: 0845 675 0410 - Household Sabre: 0800 243 071 Towergate: 0289 051 5014 – Motor Towergate: 0780 905 0683 – Household Tradex: 0845 373 1300 Zenith: 0870 530 5030 Zurich: 0800 400 641 - Motor Zurich: 0845 601 0869 - Household

The issue of a claim form is not an admission of a claim by the insurers
Any claim under the policy may affect the no claim discount if applicable

Insurance Fraud Prevention
In order to prevent and detect fraud insurers may at any time:

Share information about you with other organisations and public bodies including the police:
Check and/or file your details with fraud prevention agencies and databases, and if you give them false or inaccurate information and they suspect fraud, they mayl record this.  Insurers and other
organisations may also search these agencies and databases to:
Help make decisions about the provision and administration of insurance, credit and
related services for you and members of you household:
Trace debtors or beneficiaries recover debt, prevent fraud and to manage your accounts or insurance policies:
Check you identity to prevent money laundering, unless you furnish us with other
satisfactory proof of identity:
Undertake credit searches and additional fraud searches,
Insurers can supply on request further details of the databases they access or contribute to:

Insurance Claims History
Under the conditions of your policy you must tell insurers about any insurance related incidents
(such as fire, water damage, theft or an accident) whether or not they give rise to a claim.
When you tell insurers about an incident they may pass information relating to it to a database.
Insurers may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
In assessing any claims made, the insurer or its agents may undertake checks against publicly
available information (such as electoral roll, county court judgments, bankruptcy orders or repossessions), information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators).
It is important that adequate values for the property insured are advised to the insurers. Any claims settlement may be reduced in the event of underinsurance.
Some of the information which you give insurers about a claim, may be passed to other insurance companies you tell them about.  They mayl give yourinsurers information about your policy with them, and your insurers may ask them to pay a contribution to this claim.  A contribution payment is normal practice where two or more policies cover the same item.  If another company contributes to your claim, it should not affect any no claim discounts you may have with them.
For your joint protection telephone calls with insurers may be recorded and/or monitored.