In our last post, we covered 10 common questions about home insurance quotes that customers may not know. In this blog, we’re looking at common questions that you might have while going through a claim for home insurance.
Many insurers will allow this if you ask, so long as their quote is reasonable. But, you’ll need to make sure the standard of work is acceptable and any future problems from the works would have to be raised with the tradesperson involved.
Usually, yes – most insurers will specify this in their terms. In any case, make sure you report it to the police ASAP after the event.
Most insurers will have a preferred network of suppliers that they use to repair or replace items that are damaged or stolen. You may be able to request a specific supplier, but you will usually only be paid out at the same rate as the insurer’s preferred supplier.
First, make sure you’ve read your policy wording. This will tell you whether things are covered, and if so what requirements there are to make a claim.
Second, before you call the claims line, have everything you need to hand. Policy documents, police incident numbers, photos of lost or damaged items etc.
This should make a big difference to making your claims experience stress and hassle free.
The standard for most insurers is to repair or replace an item directly using their own network of suppliers. In some cases, you may be able to ask for a cash equivalent, to the value of the replacement cost.
The Association of British Insurer (and therefore most home insurance policies) define a storm as when wind speeds of at least 55mph.
As soon as you become aware of it! Most insurers run 24/7 claims lines for this specific reason, and this becomes especially important for Home Emergency claims which often need to be reported within a set timeframe to be eligible to claim.
Absolutely not, unless your insurer has explicitly asked you to do this. Make sure you go through the claims team first, and usually they will appoint their own tradespeople to fix your issue (otherwise you might not get paid back for the claim!).
Travel insurance policies usually have a section about lost luggage, but you usually can’t claim until 21 days later (as airlines don’t mark it as ‘lost’ until then). However for next time, we can add-on Smart Luggage cover to your travel policy from only £3 per bag, which pays out £50 if your bags are 30 minutes late, and £500 if they’re still lost after 48 hours.
Replacement cost is the amount of money it would cost to buy the item new today. The actual cash value is the replacement cost minus the depreciation in value due to the age of item.
Hopefully you learned something new from these questions – check out for the rest of our blogs for more information and useful tips about insurance.
Subscribe to our newsletter to be notified when we publish more useful free guides
