insurewise General Insurance Claims
We have a dedicated claims support team of experienced personnel. Our people are here to help and support you and to manage your insurance claim for you through any crisis on a day-to-day basis.
We will liaise with the insurer and other parties such as Loss Adjusters and Motor Engineers to ensure you get personal service and the best settlement possible for your insurance claim.
Advice on insurance claims
Your basic responsibilities when a claim arises are:
- To report the claim to us or your insurer immediately.
- To take all reasonable steps to minimise the loss.
- To advise the authorities, where appropriate.
- To co-operate with us and/or your insurer in any investigation including the supply of supporting evidence.
- To act at all times in good faith.
- Where damage to another person or their property is concerned (for example in the case of motor accidents), to never admit liability to anyone and refer any correspondence received direct to us and unanswered.
Remember that you have a duty to report accidents even where they may not immediately lead you to make a claim. For instance, consider a motor accident where little damage appears to have been done and both parties depart the scene amicably. You should still report the incident. This is in case sometime afterwards the other driver discovers that there is damage to his/her vehicle and that you are at fault for it. Or worse, that he or a passenger have been hurt in the accident (something he/she may well not have noticed at the time).
When loss or damage occurs, it is useful to make a written note of the basic facts, such as the time of discovery or when the incident occurred. Best do this as soon as you can as the memory quickly fades.
Motor Accidents
At the scene of the accident obtain details of:
- Third parties names and addresses;
- The registration number of any vehicles involved; and
- Whenever possible, the name and address of any witness to the accident.
It is a requirement that all accidents are reported as soon as possible, even where there is no damage to your vehicle. Any accident involving injury needs to be reported to the Police.
Always have your Policy Number to hand when contacting us.
Any correspondence received from third parties, or their representatives, should be forwarded immediately, unanswered, to us or your insurer for attention. Insurers only have a limited time to respond to third party correspondence, so it is essential that this is done quickly.
Motor Theft
Theft of a vehicle should be reported immediately to the Police and as soon as possible to us. Keep a record of the crime reference number. In most cases your insurers will wait a period of up to six weeks to see if the vehicle is recovered, prior to making a settlement offer.
The original Vehicle Registration Document (V5), MOT Certificate, purchase receipt and details of any finance/lease agreement etc need to be passed to insurers to enable them to set a value on the vehicle.
Employers Liability - Injury to Employees
Your insurers MUST respond to any letter of claim you receive within 21 days, otherwise the claimant's solicitors can issue proceedings without any sanction. It is essential therefore, that all letters of claim be passed on to us immediately upon receipt with all relevant information.
This means you must:
- Report all claims/incidents likely to give rise to a claim to us IMMEDIATELY
- Complete a claim form if advised by us
- Retain all evidence on any incidents such as:
- Incident/Near miss report forms
- Accident Book Entry
- First Aider Report
- Safety Officer Report
- Heath & Safety Executive Documentation
- Photographs/Sketch Plans
- Security Videos
Pass on all correspondence received in connection with the matter to us immediately and unanswered.
In the event of a claim call insurewise Assist 24/7 on: -
0800 5284 555
Insurewise Limited are authorised and regulated by the Financial Services Authority No 310275