What should I do and (not do) if I need to make a home insurance claim?

If you need to make a claim, please: 

• Report theft, malicious damage, or riot to the police as soon as possible
• Inform us about the incident promptly
• Provide all necessary information, including crime reference numbers
• Notify us immediately if you receive any legal notices related to the claim
• Cooperate with our investigation and assist in any legal action if requested

Please avoid doing any of the following to help your claims go smoothly:

• Attempting to negotiate the settlement of the claim without our permission 
• Admitting responsibility or making agreements with those holding you responsible for damage or injury 
• Incurring any costs without our agreement 
• Disposing of or destroying any damaged items until we agree 
• Abandoning your property to us