Claims
Something has happened. Ring us first.
Not the insurer, not a helpline. A broker who can see your policy answers at any hour, and stays with the claim until it is paid.
What happens after you ring
Last year we settled 311 claims, on average in 9 days.
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You ring us, not an insurer
One number, answered at any hour by a broker who can see your policy on the screen while you talk.
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We notify the insurer the same day
You get a claim reference by email before the end of the working day, and you never repeat the story.
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We attend the adjuster’s visit
On anything over about £5,000 a loss adjuster visits. We are there too, because what is written down that day decides the settlement.
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We check the offer before you accept
Against the policy wording, not against what the insurer would like it to say. If it is short, we say so and go back.
Before anyone arrives
- Make the building safe and stop further damage, if you can do it safely
- Photograph everything before it is moved, including the outside
- Keep damaged items unless they are a health risk
- For theft or malicious damage, get a crime reference from the police
- Do not agree a price with a contractor until we have spoken
Five claims, and what they paid
Shared with permission, initials only.
Burst pipe under a kitchen floor
Two days of lifting tiles to find the leak, which is the part people assume they pay for themselves. Trace and access covered it, and we sat in on the adjuster’s visit.
- Insurer paid
- £4,570
- Excess
- £250
- Days to settle
- 11
Tools taken from a locked van
Side door forced overnight on a job in Hereford. Receipts for about half of it; the tools schedule we had set up at renewal covered the rest.
- Insurer paid
- £2,640
- Excess
- £500
- Days to settle
- 6
Shopfront glass, and three days shut
Put through on a Saturday night. The glass was £2,260; the three days of lost trade were £1,850, and that is the half most shop policies leave out.
- Insurer paid
- £3,610
- Excess
- £500
- Days to settle
- 9
Storm took the roof off a stone barn
Forty square metres of tiles gone in February. We had the barn on the schedule at rebuild cost, not market value, so the reroof was paid in full.
- Insurer paid
- £18,400
- Excess
- £1,000
- Days to settle
- 24
Ceiling down after a leak upstairs
Tenant below had to move out for three weeks. The policy paid the repair and the lost rent, and the tenant’s hotel was sorted before the end of the day.
- Insurer paid
- £6,980
- Excess
- £350
- Days to settle
- 14
Not with us yet?
We cannot take over a claim on someone else's policy, but we can make sure the next one goes differently.