Making a Claim? Here’s what you need to do:
Contact the team
Complete the gaps
Insurance Claims FAQ's
Do you have an in-house claims team?
Do you have dedicated claims handler’s?
What about organising for quotes / repair work?
Will you attend any claims meetings?
How long will my claim take to settle?
Do I have to call or can I complete the information online?
You can complete an online form here. This covers all of the information required to log a claim to the insurers, which we’ll do on your behalf and contact you should additional supporting evidence be required.
What if I have an emergency in the middle of the night or out of hours?
- You should take the necessary steps to minimise the loss and prevent further damage as far as possible.
- If there has been a break-in, the police should be contacted to report the incident and they will provide you with a crime reference number.
- Take photographs of any damage as evidence to support your claim
- You should contact your insurers emergency helpline number which can be found in the policy wording.
- Report the details to Glowsure as soon as possible the following day
What impact will a claim have on my future premiums?
If you make a claim on your home insurance, the premium could increase at the next renewal date, depending upon the type of claim and number of claims you have had.
Making a claim can increase rates by approximately 10% and if a second claim is made within a certain period of time, (for instance within 5 years), the rate could typically rise by approximately 20%.
Depending upon the value of your claim, if the amount is near to your policy excess then the more negligible the benefit is in claiming so you may decide that making a small claim is not worth it.
Do I have to pay the excess upfront?
No. The policy excess is payable upon settlement of the claim and will be deducted from the total costs submitted in respect of repairs.
If you are claiming for your own damage then the excess is payable, regardless of blame and your policy documents will tell you how much this is.
If you are not at fault for the incident and another party has accepted full responsibility then your insurers will claim your excess back from them. We will keep a watchful eye to ensure that your excesses are fully recovered.
If you are not claiming for your own damage, you do not need to pay any excesses. This is the case even if you are at fault for the incident and the other party is claiming through your policy. Your excess only applies to your own damage.