Home insurance claims

• Check your excess. You can check this, your cover limits and details of endorsements in your Statement of Fact, which can be found in your online account or policy confirmation email.
• Check that you are covered by reading your policy document, which you can find in your online account or policy confirmation email. Or you can check examples of our policy documents - Ageas.

What you need to know

• It’s better to make a claim before you get any repairs carried out.
• Tell us about an incident even if you are not claiming for your damage.
• The sooner you report your claim it could reduce the overall cost of the claim.

• Your policy number. You can find this on your confirmation email or policy documents.
• Photos of the damage
• Any relevant receipts, quotes or documents which will help with your claim.

The more details you can give us, the quicker we can progress your claim.

We’ll usually:

• Check that you’re covered by your insurance - our policy documents
• Confirm how much excess you’ll need to pay. You can check this in your Statement of Fact, which can be found in your online account or policy confirmation email.
• Ask for supporting evidence – this could include photos and quotes.
• When possible, you'll receive a link to the online claims hub to manage your claim and upload photos or documents.
• Suggest the best course of action or options. If the damage is substantial,  an expert will visit you to talk through your options.

• Review your claim and keep you updated.
• Offer repairs or replacements – we have a huge network of approved repairers. We’ll pick the best one for you and take care of everything.
• Or organise a cash settlement if appropriate.