How to make a claim on your Home Insurance
Step 1 - Check your Home Insurance Cover
- Check your home insurance schedule which lists the sections under which your home is insured
- Refer to the appropriate section in your home insurance policy booklet. In it you will find details of the property insured and the insurance cover which applies, including details of any exceptions
- Accidental Damage cover is optional - check whether you specified this when you took out the policy
- Check if you took out optional HomeCALL Legal Protection, Home Emergency Cover or Key Protection with your home insurance.
Step 2 - Contact your Home Insurance Company
- Please contact your home insurance company directly using the appropriate telephone number from Table 1: Home Insurance claims contact details.
-
Have the following information to hand when you call them:
- Your home insurance policy number (this will be on your schedule)
- What caused the need to claim
- The date the claim arose
- Once your home insurance claim details are logged with your insurance company they will contact you directly to progress to settlement.
Home Insurance - Important Notes
- Other than for emergencies, you should refrain from purchasing replacements or authorising repairs without prior approval. In the event of an emergency you may wish to contact the relevant emergency helpline for advice.
- If you need further assistance, please call our home insurance advisors on 0845 330 1598. Lines are open 8am-8pm Monday to Friday, 9am-4pm on Saturdays and 10am-4pm on Sundays.
Table 1: Home Insurance claims contact details
| Insurer | Home Insurance Claim Line | 24 Hours | Domestic Emergency Helpline1 |
|---|---|---|---|
| Allianz Insurance plc | 08450 731114 | Yes | 08450 731114 |
| Aviva | 0800 012345 | Yes | 0800 012345 |
| Axa | 0870 5561161 | Yes | 0870 9023812 |
| Brit | 0800 5876713 | Yes | 0800 5876713 |
| Broker Direct | 01204 600400 | Yes | 01204 600400 |
| Canopius | 0870 4201249 | Yes | 0870 4201249 |
| Congregational & General | 01274 700700 | No2 | 07071 880946 |
| ERS | 0870 240 1568 | Yes | Not available with insurer |
| Fortis | 08701 222021 | Yes | 08709 085200 |
| Groupama | 0870 2403093 | Yes | 0870 2403093 or as per policy book |
| Highway | 0870 112 9309 | Yes | Not available with insurer |
| Legal & General | 0870 0500693 | Yes | 0870 5234511 |
| NIG | 0845 607 1628 | No5 | 0117 927 1886 |
| Prestige | 08450 777 666 | Yes | 08450 777 666 |
| Royal & Sun Alliance | 0845 6750410 or (NI) 02890 244433 | No3 | 0845 7123888 |
| Towergate | 01202 634184 | No4 | 0800 0320132 |
- The Domestic Emergency Helpline is a free service for policyholders to put you in touch with a reliable local tradesman. It does not cover the cost of the work - please refer to our Home Emergency Service for this type of cover.
- Congregational and General opening hours are 9am-5pm Mon-Fri, out of these hours please phone 07071 880946.
- Royal & Sun Alliance opening hours are 8am-6pm Mon-Fri, out of these hours please phone 0845 7123888.
- Towergate opening hours are 9am-5:30pm Mon-Fri, out of these hours please phone 0800 0320132.
- NIG opening hours are 8am-6pm Mon-Fri, out of these hours please phone 0117 927 1886.
Table 2: Optional extras claims contact details
| Provider | Home Insurance Claim Line | 24 Hours |
|---|---|---|
| HomeCALL Legal Protection | 0870 3892711 | Yes |
| Home Emergency Service | 0870 6076502 | Yes |
| Key Protection | 0844 4124163 | Yes |
For more information about how to reduce your home insurance or how to get home insurance, contents insurance or buildings insurance Cover Direct will be pleased to help you compare home insurance from the leading home insurance companies to ensure you get the most competitive insurance quote.