What to Expect When Making a Claim
Even if you’re not claiming for your own losses, you might still face a claim from someone else. If that happens, we’ll guide you through the process and handle any claims made against you.
Many of our policies include a 24-hour Helpline and legal expenses insurance—check your policy documents or schedule for details.
Our Promise to You
We can’t prevent accidents, but we will:
- Make the process as hassle-free as possible
- Help you understand what happens next
- Ensure you get the most from your insurance cover
First Steps
Act quickly to minimise damage or loss, whether it's covered by insurance or not. Take reasonable steps to secure any damaged property, but never put yourself or others at risk.
For leaks: Turn off the water supply.
For fires: Call the fire brigade.
For other damages: Take necessary precautions to prevent further loss.
Preparing for a claim
If you need to make an insurance claim, please ensure you have the following to hand before you contact us:
- Your policy number
- Details of any third parties involved
- An indication of the value of the claim, such as purchase price, estimated replacement cost, or the extent of damage or injury
- Then contact the office that arranged your insurance
For NFUM Policyholders:
Contact your local claims team (9:00-17:00)
Jersey: 01534 835 383
Guernsey: 01481 710 731
Alderney: 01481 824 100
Contact our 24-hour claims helpline
Within the UK: 0345 604 7012
Outside of the UK: 00 44 29 2055 8659
For Other Insurers:
Please refer to your insurance documentation for the correct contact details.
