Making a Claim

Making Your Claims Process Easy

Making a claim should feel simple and supportive, not stressful. Whether you’ve had an accident, suffered damage, or just need guidance on what to do next, our team is here to help you through every step. We’ll explain what’s needed, keep the process moving, and make sure you feel informed and looked after from start to finish. Use the forms below to fill out a claim online.

Motor Claims

If your vehicle has been damaged, involved in an accident, or you need to report a motor‑related incident, start your claim here. This form captures everything we need to get you back on the road quickly.

Motor Claims Form

All Other Claims

For any loss or damage not involving a vehicle (including home, contents, business, rural, liability, or general property) use this form. It’s designed to cover a wide range of situations with one simple process.

All Other Claims Form

You can also call us on 0800 887 139 or use the contact us form

Everything You Need to Know About the Claims Process

Motor

When an accident happens

After an accident, it’s important to stay safe, stay calm, and collect the information your insurer will need. The steps below outline what to do at the scene to protect yourself and make the claims process easier later on.

Do not admit Liability even a casual apology might be misconstrued as an admission of liability and cause you to be ineligible for cover. Leave liability decisions to your insurer.
Make sure everyone is safe and move to a secure location if possible.
Call emergency services if anyone is injured or the scene is unsafe.
Exchange details with the other driver, including name, phone number, registration, and insurer.
Take clear photos of the vehicles, damage, road layout, and surroundings.
Note the time, location, weather conditions, and anything else that helps explain what happened.
Collect contact details for any witnesses.
If the accident involves injury, significant damage, or a hit‑and‑run, report it to the police and request an event number.
If safe to do so, move vehicles out of traffic to prevent further damage or risk.
If the vehicle is not drivable, arrange for it to be towed to a secure location.

Taking these steps early makes the claims process smoother and helps your insurer assess the situation quickly and clearly.

What We Need to Help You With Your Claim

To assess your motor vehicle claim, insurers only need the key details that explain what happened, who was involved, and the condition of your vehicle. The points below outline the core information required.

Policy & Driver Details

Your policy number and contact details
The driver’s licence details and relationship to the policyholder
Confirmation the driver had permission to use the vehicle

Vehicle Information

Make, model, year, and registration
Any modifications and whether the vehicle has a current WOF/COF

What Happened

Date, time, and exact location of the incident
Weather and road conditions
A clear description of how the accident occurred
Photos of the scene or damage (if available)

Other People Involved

Names and contact details of other drivers or property owners
Vehicle details and insurers of other parties
Contact details for any witnesses

Damage & Injuries

Description of the damage to your vehicle
Whether the vehicle is drivable and where it can be inspected
Details of any injuries to drivers or passengers

Police & Additional Information

Whether police attended and any event/report numbers
Whether any other insurance policies may apply

Providing these essentials helps your insurer understand the situation quickly and keeps the claims process moving smoothly.

Windscreen

When your windscreen is damaged

Windscreen damage can happen quickly - from stone chips to full cracks - and it’s important to act early to prevent the damage from spreading. The steps below outline what to do as soon as you notice an issue, helping to keep your vehicle safe and make the claims process straightforward.

Check that the vehicle is still safe to drive; if visibility is affected, avoid driving until assessed.
Take clear photos of the chip, crack, or damaged area.
Note when and where the damage occurred, including road conditions if relevant.
Avoid washing the vehicle or applying pressure to the glass until it’s inspected.
If the damage is a chip, cover it with clear tape to prevent dirt or moisture entering.
Contact your insurer or preferred repairer promptly - small chips can often be repaired quickly without needing a full replacement.
If the windscreen is shattered or unsafe, arrange for the vehicle to be secured or transported to a repairer.

Taking these steps early helps prevent further damage and ensures your windscreen can be repaired or replaced as quickly as possible.

What We Need to Help You With Your Claim

Windscreen claims are usually simple, and insurers only need a few key details to get things underway.

Basic Information

Your policy number and contact details
The vehicle’s registration and make/model
When and where the damage occurred

Damage Details

Photos of the chip or crack
Whether the vehicle is still safe to drive
Whether the damage is a chip, crack, or full break

Repair Information

Your preferred repairer (if you have one)
Whether temporary measures were taken (e.g., covering the chip)

Providing these essentials helps your insurer arrange repairs quickly and get you safely back on the road.

Home

When something happens at home

When damage, loss, or an unexpected event occurs at your home, it’s important to stay safe, prevent further damage where possible, and gather the information your insurer will need. The steps below outline what to do straight away to help protect your property and make the claims process smoother.

Make sure everyone is safe and avoid any areas that may be hazardous.
If the situation is dangerous or involves fire, flooding, or structural risk, contact emergency services.
Take reasonable steps to prevent further damage, such as turning off the water supply, covering broken windows, or securing exposed areas.
For burglary, theft, vandalism, or malicious damage, report the incident to the police and request an event or file number.
Take clear photos of the damage, affected areas, and any items involved.
Note when the damage occurred or when you first discovered it.
List any items that have been lost, stolen, or damaged.
Gather proof of ownership where possible (receipts, warranties, bank statements, or photos).
If the damage is significant, avoid starting repairs unless necessary to prevent further harm.
Keep any damaged items or materials until your insurer advises otherwise.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your home insurance claim, insurers need the key details that explain what occurred, what was damaged or lost, and whether the property is safe and secure. The points below outline the core information required.

What Happened

Date, time, and circumstances of the incident
How the damage occurred or how it was discovered
Weather conditions (if relevant)
Photos of the damage or affected areas

Damage & Losses

A description of the damage to the home or contents
A list of items that were lost, stolen, or damaged
Proof of ownership where available (receipts, warranties, photos)
Whether temporary repairs were needed to prevent further damage

Police & Other Parties

Police event or file number (for burglary, theft, vandalism, or malicious damage)
Details of any contractors who have inspected or carried out urgent repairs
Whether anyone else was involved or witnessed the incident

Property Condition

Whether the home is safe to occupy
Whether further damage is likely without immediate action
Any steps you’ve taken to secure the property

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

When something happens to your contents

When your personal belongings are lost, damaged, or stolen, it’s important to act quickly, keep yourself safe, and gather the information your insurer will need. The steps below outline what to do straight away to help protect your items and make the claims process smoother.

Make sure everyone is safe and avoid any unsafe areas.
For burglary, theft, vandalism, or malicious damage, report the incident to the police and request an event or file number.
Take clear photos of the damage, affected items, and the surrounding area.
Note when the loss or damage occurred, or when you first discovered it.
List the items that have been lost, stolen, or damaged.
Gather proof of ownership where possible (receipts, warranties, bank statements, photos, or packaging).
Keep damaged items unless they pose a safety risk - your insurer may need to inspect them.
If the loss involves a mobile phone, laptop, or other digital device, contact your provider to block or secure the device.
If the incident involves water damage, leaks, or electrical issues, take reasonable steps to prevent further damage (turn off water or power if safe to do so).
Avoid disposing of anything until your insurer advises it’s okay.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your contents claim, insurers need the key details that explain what occurred, what items were affected, and whether the loss was sudden, accidental, or caused by theft. The points below outline the core information required.

What Happened

Date, time, and circumstances of the incident
How the loss or damage occurred, or how it was discovered
Photos of the affected items or areas
When you discovered the issue and who discovered it

Items Lost, Stolen, or Damaged

A list of affected items
Proof of ownership (receipts, warranties, photos, bank statements)
Approximate age and value of each item
Whether repair is possible or replacement is required

Police & Other Parties

Police event or file number (for burglary, theft, vandalism, or malicious damage)
Details of any witnesses or neighbours who may have information
Any contractors or specialists who have inspected the damage

Additional Information

Whether the property was secure at the time of the incident
Whether any other insurance policies may apply
Any steps taken to prevent further loss or damage

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Travel

When something goes wrong while travelling

When an unexpected event affects your travel plans such as illness, cancellations, delays, lost luggage, or theft, it’s important to stay safe, keep records, and gather the information your insurer will need. The steps below outline what to do as soon as possible to help protect your trip and make the claims process smoother.

Make sure you and your travelling companions are safe and seek medical help if needed.
For theft, loss, or malicious damage, report the incident to local authorities and request a written police report.
For airline or transport issues (delays, cancellations, lost luggage), obtain written confirmation from the airline or provider.
Keep all receipts for additional expenses such as accommodation, meals, transport, or replacement items.
Take clear photos of damaged items, baggage, or documents.
Note the date, time, and circumstances of the incident, including where you were and what happened.
Contact your travel provider or airline as soon as possible to minimise further loss or disruption.
If your passport is lost or stolen, notify your embassy or consulate immediately.
Keep damaged items unless advised otherwise — your insurer may need to inspect them.
If you need to cut your trip short, keep evidence of the reason (medical certificates, official notices, or travel provider documentation).

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your travel insurance claim, insurers need the key details that explain what occurred, what expenses you incurred, and whether the event was sudden, unexpected, or unavoidable. The points below outline the core information required.

Policy & Trip Details

Your policy number and contact information
Your travel dates, destinations, and booking confirmations
Details of who was travelling and who was affected

What Happened

Date, time, and circumstances of the incident
Where you were when it occurred
Photos, reports, or documentation supporting what happened

Expenses & Losses

Receipts for additional costs (accommodation, meals, transport, replacement items)
Proof of ownership for lost or stolen items
Details of refunds or credits offered by airlines or travel providers

Medical & Emergency Situations

Medical certificates or hospital/doctor reports (if illness or injury occurred)
Proof of treatment dates and costs
Confirmation if you were advised to cancel or cut your trip short

Police, Airline & Provider Reports

Police report numbers for theft, loss, or malicious damage
Airline or transport provider documentation for delays, cancellations, or lost luggage
Any correspondence with travel agents, tour operators, or accommodation providers

Additional Information

Whether any other insurance policies may apply
Whether you received compensation from airlines or providers
Any steps you took to minimise further loss or disruption

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Commercial Property

When something happens to your Commercial Property

When damage, loss, or an unexpected event affects your business premises, it’s important to act quickly, protect your staff and customers, and gather the information your insurer will need. The steps below outline what to do straight away to help minimise disruption and make the claims process smoother.

Make sure everyone on the premises is safe and evacuate if there are any hazards.
If the situation involves fire, flooding, structural risk, or danger to people, contact emergency services immediately.
Take reasonable steps to prevent further damage, such as shutting off water, isolating power, or securing broken entry points.
For burglary, theft, vandalism, or malicious damage, report the incident to the police and request an event or file number.
Take clear photos of the damage, affected areas, and any impacted equipment, stock, or fittings.
Note when the damage occurred or when it was first discovered, including any relevant conditions (weather, alarms, access issues).
List any business assets, equipment, or stock that have been lost, stolen, or damaged.
Gather proof of ownership or value where possible (invoices, asset registers, stock records, photos).
Keep damaged items unless they pose a safety risk
Avoid starting repairs unless necessary to prevent further loss or risk to people.
If your business cannot operate, keep records of closures, interruptions, or additional costs.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your commercial property claim, insurers need the key details that explain what occurred, what assets were affected, and whether the business premises remain safe and secure. The points below outline the core information required.

What Happened

Date, time, and circumstances of the incident
How the damage occurred or how it was discovered
Photos of the affected areas, equipment, or stock

Damage & Losses

A description of the damage to the building, fittings, equipment, or stock
A list of items lost, stolen, or damaged
Proof of ownership or value (invoices, asset registers, stock lists, photos)
Whether temporary repairs were required to prevent further damage

Police & Other Parties

Police event or file number (for burglary, theft, vandalism, or malicious damage)
Details of any contractors who have inspected or carried out urgent repairs
Any witnesses or staff who observed the incident

Business Impact

Whether the premises are safe to operate from
Whether the business has had to close or reduce operations
Any additional costs incurred to keep the business running

Additional Information

Whether any other insurance policies may apply
Any steps taken to secure the property or minimise further loss

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Marine Cargo

When something happens to your Marine Cargo

When cargo is lost, damaged, or delayed in transit, it’s important to act quickly, protect the goods where possible, and gather the information your insurer will need. The steps below outline what to do as soon as you become aware of an issue, helping to minimise further loss and make the claims process smoother.

Inspect the cargo as soon as it arrives or when the issue is first discovered.
Take clear photos of the damage, packaging, container, and any relevant markings or seals.
Note the condition of the packaging and whether there were signs of tampering or mishandling.
Record when and where the loss or damage was discovered, including vessel, voyage, or transport details.
Keep all packaging materials, pallets, and damaged items unless they pose a safety risk
For theft, pilferage, or malicious damage, report the incident to the police and request an event or file number.
Notify the carrier, freight forwarder, or shipping line immediately and request written acknowledgement of the issue.
Obtain delivery receipts, tally sheets, or notes showing shortages or damage at the time of unloading.
If the cargo is at risk of further deterioration, take reasonable steps to protect it (e.g., moving it under cover, isolating wet goods).
Avoid disposing of anything until your insurer or appointed surveyor confirms it is okay to do so.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your marine cargo claim, insurers need the key details that explain what occurred, what goods were affected, and how the loss or damage was discovered. The points below outline the core information required.

Shipment Details

Bill of Lading, Air Waybill, or consignment note
Vessel, voyage, flight, or transport details
Shipping dates and delivery location

What Happened

Date, time, and circumstances of the loss or damage
Where the cargo was when the issue occurred or was discovered
Photos of the damage, packaging, and container/seals

Cargo & Packaging Information

Description of the goods, quantities, and values
Packing lists, invoices, or commercial documentation
Condition of packaging on arrival
Any shortages, missing items, or signs of tampering

Carrier & Third‑Party Information

Delivery receipts or notes showing damage or shortages
Correspondence with the carrier, freight forwarder, or shipping line
Police event or file number (for theft or malicious damage)
Details of any surveyor inspections

Additional Information

Whether the cargo can still be used or sold
Any steps taken to prevent further loss or deterioration
Whether any other insurance or recovery options may apply

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Liability

When a liability incident occurs

When an event happens that may lead to a liability claim (such as accidental damage to someone else’s property, an injury to a third party, or an allegation of negligence) it’s important to stay calm, gather accurate information, and avoid making statements that could affect your cover. The steps below outline what to do straight away to help protect your position and make the claims process smoother.

Do not admit Liability even a casual apology might be misconstrued as an admission of liability and cause you to be ineligible for cover. Leave liability decisions to your insurer.
Make sure everyone involved is safe and call emergency services if anyone is injured or the situation is unsafe.
Take clear photos of the scene, any damage, and anything relevant to how the incident occurred.
Note the date, time, and exact location of the incident.
Collect the names and contact details of all parties involved, including witnesses.
Gather details of any property that was damaged, including descriptions and photos.
If someone is injured, record what happened and whether medical assistance was required.
If the incident involves criminal activity, assault, or significant damage, report it to the police and request an event number.
Avoid making promises about compensation, repairs, or payment as your insurer will handle all communication with third parties.
Keep any relevant documents, correspondence, or items involved in the incident.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your liability claim, insurers need the key details that explain what occurred, who was involved, and what loss or injury has been alleged. The points below outline the core information required.

What Happened

Date, time, and circumstances of the incident
A clear description of how the event occurred
Photos, diagrams, or documents that help explain the situation
Details of your business or personal involvement in the incident

People & Property Involved

Names and contact details of third parties making a claim
Details of any injuries sustained
Description of any property that was damaged
Witness names and contact information

Third‑Party Claims or Allegations

Any letters, emails, or demands received from third parties
Details of any conversations or interactions with the affected party
Police event or file number (if applicable)

Additional Information

Any steps taken to prevent further damage or risk
Whether any other insurance policies may apply
Any contractors, staff, or others involved in the incident

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Business Interruption

When your business is interrupted

When an unexpected event forces your business to slow down, close temporarily, or operate at reduced capacity, it’s important to act quickly, keep accurate records, and gather the information your insurer will need. The steps below outline what to do as soon as your operations are affected, helping to minimise financial impact and make the claims process smoother.

Make sure your premises and staff are safe before continuing any operations.
Identify the cause of the interruption (e.g., property damage, equipment failure, supplier issues) and record when it began.
Take clear photos of any physical damage or affected equipment if the interruption is linked to a property event.
Keep detailed records of closures, reduced trading hours, or operational limitations.
Track all additional costs incurred to keep the business running (temporary premises, equipment hire, overtime, outsourcing).
Maintain records of lost bookings, cancelled orders, or reduced sales.
If the interruption is linked to a property claim, report that event first and obtain the relevant claim or event number.
Notify key suppliers or customers if their operations are affected and keep copies of any correspondence.
Avoid making long‑term commitments or repairs without discussing them with your insurer.
Keep invoices, receipts, and financial records organised and accessible.

Taking these steps early helps your insurer understand the scale of the interruption and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your business interruption claim, insurers need the key details that explain what caused the disruption, how your operations were affected, and what financial impact the event has had. The points below outline the core information required.

Policy & Business Details

Your policy number and business contact information
The address of the affected premises
Details of when the interruption began and how it was discovered

Cause of the Interruption

The event that triggered the disruption (e.g., fire, flood, equipment breakdown, supplier failure)
Photos or documentation if linked to a property or equipment claim
Any related claim numbers (property, machinery, liability, etc.)

Operational Impact

Dates and duration of closure or reduced operations
Details of affected departments, services, or production lines
Records of cancelled orders, lost bookings, or reduced output

Financial Impact

Profit and loss statements for the affected period
Sales records showing reductions compared to normal trading
Additional costs incurred to maintain operations (temporary premises, equipment hire, outsourcing, overtime)
Invoices, receipts, and supporting financial documents

Suppliers, Customers & Third Parties

Correspondence from suppliers or customers affected by the event
Details of any contractual obligations impacted
Any third‑party reports or assessments

Additional Information

Whether the business has resumed normal operations
Any steps taken to minimise further loss
Whether any other insurance policies may apply

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Rural Claims

When something happens to your rural property

When an unexpected event affects your farm, lifestyle block, livestock, equipment, or rural buildings, it’s important to act quickly, stay safe, and gather the information your insurer will need. The steps below outline what to do straight away to help minimise further loss and make the claims process smoother.

Make sure everyone on the property is safe and keep clear of any hazardous areas.
If the situation involves fire, flooding, chemical spills, or danger to people or animals, contact emergency services immediately.
Take reasonable steps to prevent further damage, such as isolating power, shutting off water, securing broken structures, or moving livestock to safety.
Take clear photos of the damage, affected areas, livestock, fencing, machinery, or buildings.
Note when the damage occurred or when it was first discovered, including weather conditions or environmental factors.
Record livestock losses or injuries, including tags, numbers, and any veterinary treatment required.
List any equipment, tools, or machinery that have been damaged, lost, or destroyed.
Gather proof of ownership or value where possible (invoices, farm records, photos).
For theft, vandalism, or malicious damage, report the incident to the police and request an event or file number.
Avoid disposing of damaged items, materials, or carcasses unless they pose a health risk or you’ve been advised to do so.
Keep receipts for any urgent repairs or emergency work needed to prevent further loss.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and accurately.

What We Need to Help You With Your Claim

To assess your rural claim, insurers need the key details that explain what occurred, what assets or livestock were affected, and whether the property remains safe and operational. The points below outline the core information required.

What Happened

Date, time, and circumstances of the incident
Weather conditions or environmental factors (wind, flood, snow, storm, drought)
Photos of the affected areas, livestock, or equipment

Livestock, Crops & Produce

Details of livestock lost, injured, or affected (tags, numbers, breeds)
Veterinary reports or treatment records (if applicable)
Damage to crops, produce, feed, or stored goods
Any biosecurity concerns or disease‑related issues

Buildings, Fencing & Equipment

Description of damage to sheds, barns, fencing, yards, or other structures
Details of damaged machinery, tools, or farm vehicles
Proof of ownership or value (invoices, farm records, photos)
Whether temporary repairs were required to prevent further loss

Police & Third‑Party Information

Police event or file number (for theft, vandalism, or malicious damage)
Details of contractors, neighbours, or workers who witnessed or assisted
Any third‑party involvement or responsibility

Additional Information

Whether the property remains safe and operational
Any steps taken to minimise further loss or protect livestock
Whether any other insurance policies may apply

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Commercial Motor

When something happens to your commercial vehicle

When a work vehicle is involved in an accident, damaged, or taken off the road, it can disrupt your operations. Acting quickly, keeping people safe, and gathering the right information helps protect your business and makes the claims process smoother. The steps below outline what to do straight away.

Do not admit Liability even a casual apology might be misconstrued as an admission of liability and cause you to be ineligible for cover. Leave liability decisions to your insurer.
Make sure the driver, passengers, and anyone else involved are safe.
If the scene is unsafe or someone is injured, contact emergency services immediately.
Take clear photos of the vehicles, damage, road layout, and surroundings.
Exchange details with other parties, including names, phone numbers, registrations, and insurers.
Note the time, location, weather conditions, and anything else that helps explain what happened.
Collect contact details for any witnesses.
If the incident involves injury, significant damage, or a hit‑and‑run, report it to the police and request an event number.
If safe to do so, move vehicles out of traffic to prevent further risk.
If the vehicle is not drivable, arrange for it to be towed or secured.
Notify your fleet manager or business owner as soon as possible.

Taking these steps early helps your insurer understand what happened and ensures your claim can progress quickly and clearly.

What We Need to Help You With Your Claim

To assess your commercial motor claim, insurers need the key details that explain what occurred, who was involved, and the condition of the vehicle. The points below outline the core information required.

Policy & Driver Details

Your policy number and business contact information
Driver’s licence details and their role within the business
Confirmation the driver had permission to use the vehicle

Vehicle Information

Vehicle registration, make, model, and fleet or asset number
Any modifications, signage, or specialised equipment fitted
Whether the vehicle has a current WOF/COF

What Happened

Date, time, and exact location of the incident
Weather and road conditions
A clear description of how the accident occurred
Photos of the scene or damage (if available)

Other People Involved

Names and contact details of other drivers or property owners
Vehicle details and insurers of other parties
Contact details for any witnesses

Damage & Injuries

Description of the damage to your vehicle
Whether the vehicle is drivable and where it can be inspected
Details of any injuries to drivers, passengers, or third parties

Police & Additional Information

Police event or file number (if applicable)
Any other insurance policies that may apply
Details of any business disruption caused by the incident

Providing these essentials helps your insurer understand the situation clearly and ensures your claim can be processed as efficiently as possible.

Stay ahead of life’s surprises. Connect with us anytime and we’ll help you feel prepared long before a claim is needed.

Understanding Excess

An excess is the amount you contribute when you make a claim - it’s your share of the cost before your insurer covers the rest. Every policy has its own excess, and in some cases you may have more than one, such as a standard excess alongside a young‑driver or glass excess. Excesses exist to help keep premiums affordable, reduce small or minor claims, and ensure insurance is used for significant, unexpected events.

When you’ll need to pay it

You only pay an excess when a claim is accepted. The amount will be confirmed by your claims handler before repairs or replacements go ahead.

How to pay your excess

Depending on the type of claim, your excess may be collected in one of the following ways:

Directly to the repairer or supplier - Common for motor, home, and contents claims. The repairer will invoice you for the excess before or after the work is completed.
Directly to us - Some claims require payment to the insurer before settlement can be finalised.
Deducted from your payout - For cash settlements, the excess is simply subtracted from the amount you receive.

If someone else is at fault

If another party is clearly responsible and we can recover the costs from them, you may not need to pay an excess. Your claims handler will guide you through this.

Making a Claim

Making Your Claims Process Easy

Motor Claims

All Other Claims

You can also call us on 0800 887 139 or use the contact us form

Everything You Need to Know About the Claims Process

Motor

Policy & Driver Details

Vehicle Information

What Happened

Other People Involved

Damage & Injuries

Police & Additional Information

Stay ahead of life’s surprises. Connect with us anytime and we’ll help you feel prepared long before a claim is needed.

Understanding Excess

When you’ll need to pay it

If someone else is at fault

FAQs

How can we help you?