NEED TO MAKE A CLAIM?
If you need to make a claim, or want to notify us of a situation that may lead to a claim, call us on 01305 839939 (Monday - Friday, 9am - 5pm, except bank holidays).
Alternatively, (and if you need to get in touch with us outside of opening hours) email firstname.lastname@example.org with a brief description of the events leading up to your claim and we will contact you.
We will need written notification of the following
-   Your name and policy number
-   A brief description of what has happened, and the basis of the claim
-   A sequence of events
- The date of the ‘event’ about which the claim is being made
- The date you were first aware that a claim may be made
- Dates of any subsequent communication
-   Copies of any emails, details of any verbal communication
-   Every letter, demand, writ summons and legal process relating to the claim much be forwarded to us as soon as possible after receipt
A claim example: You or one of your employees has accidentally sent an email containing confidential information to the wrong person. Easily done. Your client is now suing you for breach of confidentiality.
WHEN TO CONTACT US
It is very important that you notify us as soon as you become aware of a possible claim. This is one of the terms of your policy.
Late notification can be a reason for insurers to reject a claim because the longer things go on without their involvement, the more their position is prejudiced. If you have delayed in fulfilling your responsibility to inform them, you may breach the terms of your policy and they would be within their rights to decline the claim.
Remember, your insurers are experts and getting their claims team involved means you are putting the matter into the hands of people who know what to do and what not to do. By acting early they can often prevent a situation from escalating.
A claim example: One of your customers’ trips on a step when leaving your premises. They break their arm in the fall, have been unable to work and are claiming for loss of earnings.
WHAT TO DO
-   Contact us at the earliest opportunity
-   Send to email@example.com the information outlined above
WHAT NOT TO DO
-   Don’t admit fault
-   Don’t try to settle the claim yourself, without the insurer’s consent to do so
-   Don’t give details of your insurance, unless you have already been contractually obliged to do so
KNOWING YOUR RESPONSIBILITIES
You have purchased insurance so that you have the peace of mind it brings; knowing you are protected in the event of a claim. So you want to make sure that you act in accordance with your policy so that you do not invalidate the insurance.
Make sure that you read the policy wording, in particular with regards to record-keeping, the need to inform us promptly of potential claims and being co-operative throughout the claims process. Having clear contracts of agreement, written descriptions of the service you offer and what clients might expect, and client records detailing services/products provided will all help in the event of a claim.