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 Life Insurance Payouts Work?
Life insurance is designed to give your loved ones financial support if you pass away while your policy is active. When a valid claim is made, the payout can help cover everyday living expenses, childcare costs, or even pay off a mortgage. It’s a way to help ease the financial burden during a difficult time.
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.