Help with Claims

Home Insurance: Help with Claims

Accidental damage' is a term used in home insurance to define unexpected and unintended damage, by something sudden and which is not deliberate caused by an external force to your property or contents and is an optional cover option...

Home Insurance: Help with Claims

To claim for a damaged television, you must first determine the cause of this damage. When reporting your claim, we will need to evidence this has occurred by an insured event such as accidental damage for us to consider...

Home Insurance: Help with Claims

One reason that your claim may not be covered is because you do not have the Accidental Damage extension cover on your Buildings policy. If you have chosen this cover, it will be shown in your Insurance Schedule/Statement of Fact...

Home Insurance: Help with Claims

In insurance, Buildings are defined as the property shown in your Insurance Schedule/Statement of Fact. They include the structure of your home, including any fixtures and fittings, garden walls, gates, decking, paths, drives, patios, permanent swimming pools built of brick, stone or concrete, permanently fixed hot tubs, air/ground heat pumps, solar panels, permanent outbuildings and hard tennis courts...

Home Insurance: Help with Claims

This will depend on the cover you took out when you purchased your buildings policy. Essentially, your standard buildings insurance policy will cover the cost of repairs to your home if it is damaged by an insured event such as theft, fire, flood and escape/leakage of water from pipes, storage tanks, etc...

Home Insurance: Help with Claims

When we use the word ‘buildings’, we mean the structure of your home, this includes your chimneys as they are part of the structure. Your buildings are covered for numerous events that may occur, including storm and falling trees...

Home Insurance: Help with Claims

When we use the word ‘buildings’, we mean the structure of your home, this will include any rendering or aesthetic finish on your home. Your buildings are covered for numerous events that may occur. It is important to check your policy booklet before reporting any claim, for more information on what is and is not covered...

Home Insurance: Help with Claims

Please be aware that your policy does not cover general repairs to the pipework, water or heating system of your home. To confirm cover, we will instruct one of our surveyors to determine if the damage is unexpected and unintended damage, by something sudden and which is not deliberately caused by an external force to your property and pipe is your responsibility...

Home Insurance: Help with Claims

"Please be aware that your policy does not cover general repairs to the pipework, water or heating system of your home...

Home Insurance: Help with Claims

Based on the information you provide; we will check your policy to ensure you are covered and let you know how we can help. We may be able to offer you a cash settlement for certain claims to enable you to get the repairs completed yourself...