Business Claims Guide

Important information for business policyholders

Even if you’re not making a claim for damage to your own possessions or other expenses, you may find yourself facing a claim from another person involved. We will give you help and advice and deal with any claims made against you.

Many of our policies provide a 24-hour Helpline and legal expenses insurance, the details of which will be shown in the policy or schedule.

Sometimes things do go wrong unexpectedly. For many people, it is a new experience, the first time that they will have thought about their insurance policy and tested the product that they had hoped never to have to call upon. This guide explains the main steps along the way and deals with what happens next to you and anyone else involved. It tells you what we can do to help.

Our promise to business customers

We can’t stop accidents happening but we will do all we can to make sure that:

  • The consequences are as hassle-free as possible
  • You have an understanding of what comes next
  • You get the maximum benefit from your insurance cover

First Steps

First, and most important, act immediately to minimise the damage or loss, regardless of whether it is insured or not. Take all reasonable steps to secure any damaged property (e.g. by switching off the water supply for a burst pipe or calling the fire brigade for a fire) and stop further damage from occurring, but without risking your life or the lives of others.

If we have acknowledged your claim already please contact the reference number given on the acknowledgement. Please indicate your policy number, or claim reference number if you have one, in all correspondence.

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 either contact the office that arranged your insurance, or if it is an out of office hours emergency then call our 24 hour claims helpline service
  • Claim forms – the most commonly used forms are available below

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: 0845 604 7012
Outside of the UK: 00 44 29 2055 8659