Had a Claim
Insurewise Claims - What we do
We have a dedicated claims support team of experienced personnel, who are on hand to support through any crisis that may arise by managing your insurance claim on your behalf.
We will liaise with the insurer and other parties such as Loss Adjusters and Motor Engineers to ensure you get the best settlement possible for your insurance claim with a personal and hassle-free service.
What you need to do
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 act at all times in good faith
- To co-operate with us and/or your insurer in any investigation including the supply of supporting evidence
Where damage to another person or their property is concerned, such as with a motor accident, do not 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 an insurance 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 their vehicle and that you are at fault for it. Or worse, that they or one of their passengers had been injured and not noticed at the time of the accident.
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. It is best to do this as soon as you can while fresh in your memory.
In the event of a motor accident call Insurewise Assist 24/7 on 0800 5284 555. You will need to have your Policy Number to hand when contacting us.
At the scene of the accident you should 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’s 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.
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’s essential that this is done quickly.
Theft of a vehicle should be reported immediately to the Police and as soon as possible to us. You will need to keep a record of the crime reference number received from the Police. 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 or lease agreement need to be passed to insurers to enable them to set a value on the vehicle.
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 or incidents likely to give rise to a claim to us without delay.