Help with Claims

Home Insurance: Help with Claims

Fridges and freezers are not covered under this section of your policy. We won't cover the breakdown of fridge/freezers but we will cover the damaged/spoiled food when your fridge/freezer breaks down, provided it’s not caused by your power supply being deliberately cut off by your energy company...

Home Insurance: Help with Claims

You are not expected to keep ruined food, however it is recommended that you take photographs of all items before disposing of them, as we may ask you to send these before a settlement can be agreed.

Home Insurance: Help with Claims

This will depend on the circumstances of your claim. We want to make claiming as easy as possible, so we look to settle all fridge/freezer food claims on the first call.

Home Insurance: Help with Claims

Please contact our Claims team in the first instance to discuss your concerns by using one of the following numbers based on how you purchased your policy...

Home Insurance: Help with Claims

Reasons why your claim might not be covered include: • Damage caused by your power supply being cut off by the supplier (as a result of no payment of bills, for example) • Damage caused deliberately by you or your family • Any amount over the limit shown in your policy documentation...

Home Insurance: Help with Claims

We would ask that you contact us in the first instance, where this is possible. However, if you do replace the items, please keep hold of receipts, as you may be asked to send these before a cash settlement can be agreed.

Home Insurance: Help with Claims

Fridges and freezers are not covered under this section of your policy. We won't cover the breakdown of fridge/freezers but we will cover the damaged/spoiled food when your fridge/freezer breaks down, provided it’s not caused by your power supply being deliberately cut off by your energy company...

Home Insurance: Help with Claims

This and ‘escape of water’ are terms used in home insurance to describe a water or oil leak that can come from multiple sources in the home...

Home Insurance: Help with Claims

Repairs to the pipe work, water or heating system of your home are often not covered by your insurance policy. Please refer to your policy wording for more information...

Home Insurance: Help with Claims

Based on the information you provide; we will check your policy and let you know if you are covered and, if you have buildings cover, how we can help tracing a leak. Please be aware that your policy does not cover general repairs to the pipework, water or heating system of your home...