Tips for submitting an insurance claim

Some of the main points to note:

  1. Always keep receipts for valuable items and identification numbers as proof of ownership in case items are stolen or damaged by fire. Maintaining evidence of valuable items in a different location to your home may be a safe option in case of fire.
  2. Be honest when making a claim, do not exaggerate your losses, or you may end up invalidating your cover. You must give the insurer accurate information when initially taking out the policy, including providing details of your previous claims history.
  3. There are times when you should consider not claiming against your home insurance policy. For example, if the item’s value is only slightly above your excess, submitting a claim may increase your premium the following year.
  4. Finally, if you feel you are being treated unfairly by your insurance company during the claims process and are not happy with their final findings, you should contact the Financial Service Ombudsman.

For more information on making an insurance claim, you can refer to the Competition and Consumer Protection Commission website.

If your car, home or travel insurance renewal is coming up or you are looking to take out a new policy, give us a quick call at 042 935 9090, and we will compare prices for you. You can also get a cheap quote online for car insurance, home insurance and travel insurance.