How to make a claim
When you become a Client of Assured Protect, the first thing we do is to provide you with all of the relevant policy schedule documents .... it's crucial to keep these documents safe!
We also securely hold copies of all of your policy documents too, just in case you (or your appointed representatives) can't find them when you need to make a claim.
Assured Protect is not a sales organisation. We are your trusted Advisers, working with you on a long term relationship basis, not just when you arrange your policies, but also throughout the policy life to ensure that the insurance remains appropriate and does what it's meant to do should you need to make a claim and receive that planned payout.
Be prepared.
To know how to make a claim, read on ....
Insurance claims processes and payouts
How Do Insurance Payouts Work?
Insurance is designed to give you financial support while your policy is active. You bought the policy in good faith and the insurance company would have provided you with all of their terms of business, policy schedules and terms and conditions documents. Those documents will have confirmed the policy details, what's covered, what's not covered, the features, benefits, criteria and the exclusions. The documents would have also included their specific claims processes (different insurance companies have different processes).
When a valid claim is made, the payouts from your various policies can help cover everyday rental income, living expenses, childcare costs, or even pay off a mortgage. It’s a way to help ease the financial burden during a difficult time. As your Adviser, we can work with you and help you to make a claim to the insurance company.
Making a Life Insurance Claim
If you need to make a claim after someone with a policy has died, here’s what you’ll typically need:
The policy number
The full name of the person who has died
The cause, date, and place of death (if known)
Your name and relationship to the deceased
The legal next of kin (if known)
To start the process, simply call us and/or the insurer’s claims team. They’ll do some basic checks on the policy and let you know what’s needed next.
If you have it, keep the death certificate handy—it helps speed things up. If it’s not available yet, provide as much detail as you can about the circumstances of the death.
Throughout the process, the insurer will guide you and, where they have permission, keep you updated on the progress of the claim. We -nat Assured Protect - are here to help if needed too. If you are an existing Client, we'll already hold details of the plicy and any life insurance Trusts that might be in place too, so we might be able to help speed u the process for you.
Life insurance can’t ease the emotional pain of loss, but it can help reduce the financial stress for those left behind.
Property insurance claims;
Making a Property Insurance Claim – What You Need to Know
As your insurance broker, we’re here to support you if the unexpected happens and you need to make a claim on your property insurance.
Reporting a Claim
While we can guide you through the process, you’ll need to contact your insurer directly to report any loss and begin your claim.
Before calling, it’s helpful to have your policy documents ready.
Information You May Need
When contacting your insurer, you’ll need your policy number. You may also be asked to provide evidence to support your claim. Examples include:
Receipts, valuations, or invoices
Serial numbers
Pre-purchase surveys
Police crime reference numbers (for theft or criminal damage)
Photos of damaged or stolen items
Bank or credit card statements
What Happens Next
Based on the nature of your claim, the insurer may appoint a contractor to assess the damage. For more complex or higher-value claims, a loss adjuster or surveyor may be involved.
Once your claim is approved and the value is agreed, any payments, necessary repairs or restoration work can begin.
Rent Guarantee Insurance – Making a Claim
To help us move your claim forward quickly, we’ll need some documents that show your landlord responsibilities have been met and that support the eviction process if required. These may include (but are not limited to):
A copy of the tenancy agreement
Tenant reference(s)
A current rent schedule
Guarantor references and agreements (if you have one)
Any letters or emails between you and the tenant (and guarantor, if relevant) — such as rent payment requests or eviction notices
Proof that the tenant’s deposit was protected in line with the law, or confirmation that a deposit replacement scheme was used
Bank statements showing rent payments received
A Gas Safety Certificate, along with confirmation it was given to the tenant at the start of the tenancy (if required)
An Energy Performance Certificate, with confirmation it was shared with the tenant at the start of the tenancy
Evidence that the How to Rent guide was given to the tenant before they moved in (if required)
Check-in and check-out inventories showing the property’s condition and contents
Providing these documents as early as possible will help us process your claim smoothly and without delay.