A policy is only as good as the claim it pays. Our claims team works on your behalf — including on policies you did not buy through us.
You deal with someone who knows your policy. Not a call centre reading from a script.
Call or email as soon as the incident occurs. Early notification materially affects how a claim proceeds.
We review your policy, identify what is covered and tell you exactly what documentation is required.
Submission, surveyor coordination and follow-up managed by us. You are kept informed throughout.
We check the offer against your policy entitlement and challenge it where the numbers do not hold.
If a claim has been delayed, underpaid or rejected, our team will review the position and tell you where you stand — whether or not the policy was placed through us.
We will tell you honestly whether there is a case to pursue — including when there is not. No fee for the assessment.
Most policies require notification within a defined period. Late notification is among the most common grounds for rejection, and the most avoidable.
Photographs, damaged items, police or fire reports. Do not dispose of anything or begin repairs until the surveyor has attended.
Understating or overstating a loss both cause problems. An accurate, documented claim settles faster than an optimistic one.
It depends on claim size, complexity and documentation. Smaller claims can settle within weeks; large property or liability claims involving surveyors and investigation take longer. Complete documentation is the single biggest factor in speed.
An IRDAI-licensed independent assessor appointed by the insurer to assess loss on most commercial claims above a threshold. Their report substantially determines settlement.
Insurers can revisit a claim where material non-disclosure or misrepresentation emerges. Accurate disclosure at inception is the best protection.
We review the offer against policy entitlement and negotiate on your behalf. Where that does not resolve it, the Insurance Ombudsman provides a route for eligible claims.
No. Claims support is part of our service to clients, and initial reviews of claims on policies placed elsewhere are also provided free.
Typically the claim form, policy copy, incident report, photographs, repair or replacement estimates and proof of ownership or value. We provide a specific list for your claim type.