Need to make a claim? Don’t worry we’re here to get you back on track
We work right beside you to make the claims process as easy and smooth as possible. Remember early notification is important and here is what to do before you contact us.
The Four-Step Claims Checklist
Step 1 – Control your legal position from outset
In the event you have to make a claim on your policy you must report the claim to My Business Cover without delay.
Do not accept, deny, admit, negotiate or pay any claim before reporting to us as it is important that insurers take control of your legal position from outset.
What constitutes a claim?
• A claim served upon the insured
• A notice of intention to serve a claim upon the insured
• Notice, whether given orally or in writing of an intention to commence legal proceedings
• A demand for compensation by means of money due to breach of contract or negligence
Step 2 – prevent further loss
When an unfortunate event occurs, the way you and your staff respond to the immediate aftermath of an incident can make all the difference to minimising a claim.
It is essential that reasonable steps are taken into preventing any further loss or damage. For example, in the event of a fire calling the fire brigade or if you have a leak pipe at your property contacting the plumber to repair the leak.
Step 3 – Report a crime
In the event of loss or damage caused by theft or vandalism you must report the crime to the police immediately and get a crime reference number.
Please report the incident to us as quickly as possible and we will complete our enquiries and claims procedures without delay.
Step 4 – Check your policy to see if you’re covered
Before making a claim, please have a read of your policy and schedule in detail so that you can find out what is covered and what is not and whether any excesses apply.
You will find your policy documents, wordings and our information sheets we sent you when you purchased your policy or when changes have been made to your policy.
How to make a claim
If you wish to report a new claim or discuss an existing claim you can contact us in the following ways.
When you contact us please have your policy documents to hand and ensure that you provide My Business Cover with as much detail as possible.
You can call us on 03333 444 585
Calls to this number cost no more than calls to a national call rate and count towards your mobile and landline inclusive minutes.
We’re available from 9am to 5pm, Monday to Friday. All queries after 5pm on Friday will be answered the following Monday from 9am.
You can register or discuss an existing claim by email for all types of claims to [email protected]
You can make a claim online by using our simple form and someone will get back to you as soon as possible. Please make sure you have your policy number to hand.
Frequently Asked Questions
For more information about our claims handling, here are the answers to some of your frequently asked questions.
When should I report a claim?
In the event you have to make a claim on your policy you must report the claim to My Business Cover at first instance without delay so that we can process the claim in good time.
What claim information do you require from me?
In the event you have to make a claim or report a potential claim on your policy you must report the claim to My Business Cover at first instance without delay.
At notification we would initially require the following claim details from you.
• Your name and company details
• The name, address, telephone number of the policyholder
• Details of the claim (cause and circumstances)
• Date of loss or injury
The above list is not exhaustive. My Business Cover may need to contact you for additional information.
What is a policy excess?
The excess is the amount you pay if you make a claim on your insurance policy.
When you obtain your quotation you decide whether you wish to increase your excess to reduce the premium. You only have to pay the excess once at the start of the claim.
Once I have submitted my initial claim notification, when should I expect to hear from you regarding acknowledgement of receipt?
Once we acknowledge claim of the initial claim notification we will contact you as soon as possible and you are allocated with a unique claims reference number to ensure future communications are maintained effectively.
I need to check on the progress of my claim
If you need to check on the progress of your claim please do not hesitate to contact us. Throughout the life of your claim we will keep you up to date from review, decision through to settlement.
How long will it take for my claim to settle?
The length of time that it takes to settle a claim depends on the nature of its exposure and complexity and assessed on a case by case basis. Some claims can take some time to resolve and it would not be unusual for the complicated Professional Indemnity claim to take longer to handle.