Compared to 99% of motor insurance claims and 87% of travel insurance claims, home insurance claims are the least likely to be successful, coming in at a 79% success rate, according to the Association of British Insurers (ABI). The ABI’s findings showed that most claims were rejected on account of the customer not being aware of their home insurance policy’s terms and conditions. Basically, customers either bought the wrong policy or did not possess the cover that they assumed they did, and this was discovered only when a claim was made. Following our previous posts, you should by now be well informed about the particulars of home insurance. You should know exactly what type of policy covers which eventualities and what scope you have for when you are forced to make a claim.
So, how do you claim on your home insurance? Most of the time, when we are burgled, the shock and horror of an intruder rummaging through our home and possessions has us in shock. Here, your first instinct to contact the police is correct. In the event of a burglary, contact the police and take further steps afterwards. The police will issue you with a crime reference number, which will be a vital piece of evidence for any claim you intend to make. The next step would be to review your policy documents and ascertain your policy number and your insurer’s dedicated claims helpline. The last thing you want is to be stuck in a telephonic queue. Once the ball is rolling with your insurance provider, you will be asked to provide proof of purchase and/or proof of ownership. If you can’t find receipts for purchases, then you can utilise cred/debit cards bills. Also, photos which show you in possession of these items, such as jewellery and watches, will suffice as evidence.