If you need a report a claim, you can contact your insurer directly. Please check your policy documents to see who your insurer is. You can visit our dedicated claims page to get their contact details to report your claim.

It is recommended that you check the cover you have in place as detailed on your schedule and verify if your policy provides cover for the loss or damage. If you're a victim of theft/malicioius damage/property has been lost or stolen whilst away from your home it's vital you contact the police and obtain a crime reference number within 24 hours ideally. Then you can contact your insurer as soon as possible. It would be helpful to have the following info handy when you call your insurance provider: Name and contact details, property address, policy number, crimer reference number if applicable, details of why you are claiming, any third party details (if required).

Yes, usually making a claim on your home insurance policy does affect your no claims bonus (NCB). The NCB is a reward for not making a claim over a period of time with insurers offering discount for each claim free year. If the claim is minor or for something outside of your control some insurers may allow you to keep part of your NCB but for larger claims and those which are at fault, the NCB will be reduced/reset.

A loss refers to the property damage made as a result of an event that is covered on your policy such as damage to the home, personal belongings etc.

Previous claims may affect your premium and the availability of insurance options from standard, mainstream providers. This is because insurers would consider you to be a higher risk. Insurers share claims history through the Claims and Underwriting Exchange (CUE) database - allowing insurers to access your claims history when you take out a new policy. It is vital that you disclose all previous claims as failure to do so can invalidate your policy.

This can be a little complicated as it all depends on your insurer. If it doesn't affect your no claims bonus it may not need you to declare it however some insurers might regard it as a claim if they have knowledge of it from checking the Claims and Underwriting Exchange (CUE) database.

This is a claim where another person is ‘at fault’ and your insurer can recover the cost of the claim from that person.

This is an accident or loss where you are considered at blame.

However, you can still be in an incident that wasn’t your fault that is classified as “at fault” because your insurance company can’t recover costs from somebody else.

This is why theft, malicious damage or fire claims are always treated as “at fault” even though you may not be personally at blame.

For example, if your car was hit while parked by someone who can’t be found or if an animal jumps out at you while you are driving. Both events would count as an “at fault claim”.