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Property Claims


In the unfortunate event of loss or damage you should report the incident to the Insurers. Most insurers do not require forms and will take instructions over the telephone even out of normal office hours - the Helpline numbers are listed below. If at any stage you have concerns regarding this service or if you would like to discuss your claim with someone independent of the Insurance Company then please contact us, we are here to help. Some insurers require a claim form and if this is the case click on the link to download the form, which should be completed and returned to us.

If your Insurance Company is not listed or you are unsure which company covers your property please do not hesitate to contact us.

Useful Tips:

  • Accidental Loss, Malicious Damage or Theft claims must be reported to the Police who will issue you with a report number.

  • Take photographs of any damage to support your claim.

  • Your insurers will normally allow you to carry out emergency repairs to make the property sound or to prevent further damage prior to estimates being obtained for permanent repairs. Many insurers use their own approved tradesmen or firms to repair or replace damaged or lost property but you can use your own tradesman or firm. If you do use your own tradesman or firm the insurers will wish to check that the charges made by them are reasonable (you will have to obtain an alternative estimate) and may also wish to inspect any damage - which can delay settlement.

  • Remember that most policies have an excess, which will be deducted from any claim payment. As most policies include a no claims discount as part of the rating it may not be worthwhile claiming if the loss/damage is close to the level of policy excess - please contact us for advice for your own particular circumstances.


Motor Claims


If you are unfortunate enough to have an accident you should take the following steps:-

  1. Take the name and address of any other driver and the registration number of any other vehicle involved in the incident. If you can also obtain the other drivers policy number from their Certificate of Motor Insurance and the name and address of their insurers this will speed up your claim.
  2. Take the names and addresses of any witnesses together with those of any other third parties involved in the incident.
  3. Give your own name address and insurance details to the other parties involved in the accident but do not admit liability.
  4. Make a note of the position of your vehicle in the road and the positions of other vehicles both prior to and after the incident and take photographs of the damage at the site of the accident if possible.
  5. Report the claim to us or the Insurers as soon as possible - see below

Do not make any admission of liability nor give money to any person involved in the incident.

Getting Your Car Repaired
Fortunately most accidents are relatively minor and your car can generally be used safely until it is repaired at a time convenient to you.

Clients with Comprehensive cover
If your car requires immediate repair, or you are at fault for the accident, or the third party details are not known, we recommend claiming the cost of repairs under your own motor policy. These uninsured losses can then be recovered from the third party if they are to blame for the accident, using the Broker Direct Legal Expenses policy (or your motor policy if Uninsured Loss Recovery is automatically included).

Most companies detailed in the table below operate 24 hour Helpline numbers for you to report claims directly to them. There are also links to some insurers' websites where they provide relevant information. Utilising the Helpline services should speed up your claim but if you have any difficulties please contact us.


Clients with Third Party Fire & Theft or Third Party only cover
We recommend that all of our customers take advantage of our Broker Direct Legal Expenses Scheme under which your vehicle can be repaired at one of their approved repairers. This is available for accidents where you are not to blame, the third party details together with their Insurers are known, and liability for the damage is not disputed by them. You can be supplied with a hire car equivalent to your own vehicle for the duration of your repairs. Acceptance of claims under this arrangement is at the discretion of Broker Direct.

If you are at fault for the accident you will be responsible for your own repairs, as damage to your vehicle is not covered by your policy, you will still need to report the incident in order that your insurers can deal with any third party claim.



Liability Claims


The type of claims that come under public liability or employers liability insurance are ones where the person claiming against you will have to successfully show that their allegations are legally valid. Because of this, most claims need detailed investigation so, in the first instance you should report the incident on the appropriate claims helpline.

The insurers will probably require that you to fill in a report form at a later time but you should make sure that you send in all related correspondence immediately and unanswered. Try to make sure that you also send all relevant documents.

The report form will help your insurers to decide whether cover is operative and they will then settle or defend the claim. They will refer to relevant case law and statute law when they reach a decision. If they decide to defend the claim, they will do so on your behalf. If, on the other hand, they decide that the claim should be settled, they will explain why. They will deal with all aspects of the claim on your behalf, and will pay for the cost of investigating and settling the claim. They will also pay for legal fees according to the terms of the policy.

Useful Tips:

  • Do not write to or speak to the claimant (the person making the claim) or their solicitor or representative about the claim. Do not supply them with information or give them access to any accident site without first consulting with your insurers.

  • Take photographs that may support the defence of the claim.


Helpline Numbers, Links & Forms


INSURER HOUSEHOLD , TRAVEL & SMALL CRAFT PRIVATE MOTOR COMMERCIAL MOTOR & FLEET WINDSCREEN COMMERCIAL
ABC/LV 0800 633 5814 0800 633 5430 0800 028 9655
Motor Trade
0800 032 1168
0800 633 5430 0800 032 1170
Ageas (General) 0345 122 3019 0345 122 3018 0345 122 3260 0800 174 764 0345 122 3283
Ageas (Travel) Medical Assistance +44 (0)23 8064 4633
0345 122 3280
N/A N/A N/A N/A
Ageas (Groupama) 0370 241 2719 0370 240 1895 0370 600 2123 0800 854 454 0370 600 2123
Allianz 0345 073 1114 0345 6000 676 0345 6000 676
Motor Trade
0344 412 9996
0345 600 0676

0344 412 9988
Liability
01483 218782

Arista N/A N/A

0344 800 9906
Or for policies Issued or Renewed after 1st May 2016 call 0345 415 0489

0345 128 7905

0344 770 5150

Or for policies Issued or Renewed after 1st May 2016 call 0345 415 0492

Aviva Home 0800 012345
Distinct 0800 051 1750
0800 678 999

0800 246 876
Motor Trade
0800 0929 978

Commerical
0800 246 876
Private Motor
0800 678999

0345 030 7760

Aviva Travel (Household policies)

Medical (+44)160 320 8041
UK N/A 0800 015 6745
Abroad (+44)160 320 8071 Distinct UK - 0160 320 8537
Abroad - (+44)160 320 8537
N/A N/A N/A N/A
Aviva Travel (Standalone policies) Medical (+44)173 863 5566
UK N/A 0800 015 1091
Abroad (+44)160 320 8073
N/A N/A N/A N/A
AXA 0330 0246842 0345 6080230 0144 071 4714
Motor Trade:
0370 900 1753
0800 015 4195 0370 900 0860
Broker Direct N/A 01204 600210 0800 407 030 0800 032 9979 01204 600308
Chubb Secure Home

01202 778000 Mon-Fri 9am-5.30pm
0800 012345 out of hours only

N/A N/A N/A N/A
CHUBBCompare N/A N/A N/A N/A Details Here
Covea 0330 024 2255 03300 242244 03300 242244 0800 363 636 0330 0242266
Integra

Download Form
01274 700 810 Weekdays 9.00am – 5.00pm
Home Assistance: 0800 9154 780

N/A N/A N/A N/A
Ecclesiastical 0345 603 8381 N/A N/A N/A 0345 603 8381
Equity Red Star N/A 0344 8001937 N/A 0345 602 3378 N/A
Groupama (Ageas) 0370 241 2719 0370 240 1895 0370 600 2123 0800 854 454 0370 600 2123
Haven KJ Marine 01732 223610 N/A N/A N/A N/A
Hiscox 01206 773776 N/A N/A N/A 01206 773899
iPrism N/A N/A N/A N/A Details Here
Legal & General 01473 228300 N/A N/A N/A N/A
Letplan 08400 035 8258 N/A N/A N/A N/A
Letsure Download Form N/A N/A N/A N/A
LV= (Highway)   0800 633 5430 0800 028 9655
Motor Trade
0800 032 1168
0800 6781010 0800 032 1170
NIG 0345 607 1626 N/A 0345 300 4644
0800 363 636

Office Hours 0345 300 4650
Out of Hours Emergencies 0345 300 6168

Covea (Provident) N/A 0330 024 2240 0330 024 2240 0330 024 2270 N/A
Royal & Sun Alliance 0870 165 0502 0345 300 4006 0345 300 4006 0800 783 4695 0345 3004006
Sabre N/A 0330 0248000 N/A 0330 0248000 N/A
Zurich

0800 026 1845
Emergency 0800 026 1847

0800 400 641 0800 302 9055 0800 400641 0800 302 9055