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Make a home insurance claim

Start your claim here. Our Insurance is provided by Royal & Sun Alliance Insurance Ltd.

Important:

Urgent claims cannot be made online. You will need to call asap. Lines are open 24/7.

Before you start your claim

Look at our terms and conditions (PDF, 4.3MB) and check your policy to make sure you’re covered and check your excess. Your excess is the amount you’ll be asked to pay towards your claim.

If your claim relates to an act of vandalism or theft, we’d recommend reporting it to the police first. You can then give us the crime reference number, if you’re given one.

Have your policy number ready and anything that could help with your claim such as dates, times, crime number, and photos.

Make non-urgent claims online

You can claim online if you have:

  • Buildings and Contents Insurance

  • Buildings Insurance only

  • Contents Insurance only

Start your claim onlineCheck your policy

Information:

You need an email address to start your claim online. If you don’t have one, call us on 0800 145 60 60.

Our online claims system is a separate account to the one you use to manage your policy, So, you won't be able to sign in using the same details.

If this is your first time making a claim, select 'Register now' on the next screen to create a claims account.

Make urgent claims over the phone

Call as soon as possible if:

  • your home is unsafe or insecure

  • your home or possessions are being damaged

  • you’ve lost your main source of heating, lighting or water.

Important:

If you have Home Emergency Cover, call that claims number within 48 hours.

Phone

24 hours a day, 7 days a week.

Call free on: 0800 145 60 60
Outside the UK: +44 121 275 40 89

Home Emergency Cover claims

If you’ve added Home Emergency Cover to your policy, you’re covered for repairs up to £1,000.

If you haven’t, we can still help you get the advice and support you need. But you’ll need to pay for any repairs.

We use a company called CET to provide Home Emergency Cover.

Important:

Home Emergency Cover claims must be reported to us by phone within 48 hours of discovery.

Phone

24 hours a day, 7 days a week

Call free on:0800 145 60 70
Outside the UK: +44 121 275 40 89

Legal Cover claims

For Legal Cover claims, you need to call us.

If you’ve added Legal Cover to your policy, you’re covered for legal assistance worth up to £50,000 for claims covered by your policy.

If you haven’t, we offer free Legal Advice. And can also put you in touch with people that can help. However, you’ll need to pay for all legal costs.

Legal Cover is provided and administered by Arc Legal Assistance.

Phone

24 hours a day, 7 days a week
Call free on: 0800 145 60 80
Outside the UK: +44 121 275 40 89

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