How do I make an insurance claim?
What to keep in mind when making an insurance claim
Summary
Car insurance can cover theft, but it depends on the type of policy you have and whether the vehicle was properly secured. Claims may be refused if the keys were left in the car, the vehicle was not locked, or it was parked somewhere not declared on the policy. As long as you follow the policy conditions and take sensible security measures, you should be protected if your car is stolen.
It is never an easy time if you are in a position where you need to make an insurance claim. To make things a little easier we have put together a breakdown to aid you in making an insurance claim, which includes a few things to keep in mind during the process.
Contacting your insurance provider
The very first step is to contact your insurance provider. Make sure to have a letter or insurance document to hand so that you can confirm your policy reference number with them.
Once you have confirmed your policy number and discussed your claim briefly they should then email you a claim form to fill in. This form will help them understand your claim with more clarity, and progress your claim to the next step.
What should you keep in mind?
Before you send off your claim there are some aspects you should consider:
● Does your insurance cover you for what you are claiming for?
● How much is the insurance excess?
● Does anything in the small print invalidate your claim?
● Are you covered?
You should look through your insurance policy to check if the situation you intend to make a claim for is definitely covered. For example, if you lock your car keys inside your car, your insurance may not cover the cost of using the services of a locksmith to retrieve your car keys.
How much is the insurance excess?
When you applied for your insurance you may have manually selected how much your excess will be. This is a cost you will pay in the instance that a claim is made on your insurance. If your excess is pretty high, it will make your annual or monthly insurance costs fairly low. So be prepared to pay the excess you have set once your insurance claim goes through.
Does anything in the small print invalidate your claim?
In some circumstances, the small print of your insurance can have certain conditions in place. Some of these conditions may invalidate your claim. Take a look at your policy’s small print to see if any of the contents applies to your situation.
In some cases you may be claiming for lost and damaged property. Whilst it is common that the insurers will pay you the full replacement value of these items, there are certain belongings, such as clothing, that may incur a small deduction for wear and tear.
If you already have a policy with CDC and would like any clarification of the above before you submit your claim to your insurance company we are always happy to talk you through your policy covers and any possible limitations to your claim.
Looking for a new insurance provider?
Get in touch with our Insurance Specialists below for advice and guidance:
E: 01843 861251
T: enquiries@cdc-insurance.co.uk
Read our other articles
- Travel Insurance
- Management Liability Insurance
- Let Property Insurance
- Home Insurance
- General
- Fleet Insurance
- Construction Sector Insurance
- Car Insurance
5 Types Of Insurance Every High Street Business Should Consider
If you’re considering becoming a landlord, you’ve probably asked yourself: are rental properties worth it? The answer isn’t always straightforward, as letting out property comes with both rewards and responsibilities.
Are Rental Properties Worth It? A Guide For Landlords
If you’re considering becoming a landlord, you’ve probably asked yourself: are rental properties worth it? The answer isn’t always straightforward, as letting out property comes with both rewards and responsibilities.
