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What should I expect when making a claim for accidental damage?

Based on the information you provide, we will check your policy to confirm if you are covered for accidental damage to either your buildings or contents and let you know how we can help.
 
When settling your claim, we have the following options available to us, and we will decide which is most appropriate:

  • Repair
  • Replace
  • Rebuild
  • Payment
We may offer to repair, replace or rebuild any damage through one of our approved suppliers. 
 
However, you may use your own supplier if you prefer, providing you agree this with us beforehand. Should you use your own supplier, any payment made would not normally exceed the discounted amount we would have paid our approved supplier. All repairs carried out by our approved suppliers are guaranteed for one year.
 
If we decide it is not appropriate to repair, rebuild or replace your buildings and/or contents, we will send you a payment, less the excess, representing either:

  • The amount by which the buildings and/or contents has gone down in value as a result of the claim
  • The estimated cost to repair, replace or rebuild your buildings and/or contents, whichever is the lowest
 
Terms and conditions apply. Please refer to your policy booklet for further information in your online account.

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

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Related questions

Will making a claim affect the cost of my policy? What happens if my claim is declined, and I do not agree with the decision? What is a policy excess? How do I pay my excess? Do you need urgent support? I have already started repairs. How will this affect the claim?

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