In the first instance, we will look at repairing the damaged item. If this is not possible, we will consider replacement options.

We’ll then repair or replace your damaged, lost or stolen items, repair or rebuild your property, depending on the type of claim. Alternatively, we may make you a cash offer. We’ll decide which way of paying your claim is most appropriate

We will look to replace your items as 'new for old'. When we replace lost, stolen or damaged items with new ones, we will not make any deductions for wear and tear.

If the item is no longer available, we will look to either replace it with a similar item or give you a cash payment for the amount that the item is worth.

If you’re ready to make a claim, visit online claims.

Manage a home insurance claim