Claim
A claim is a formal request made to your insurer to pay for a loss, damage, or liability covered under your policy. Making a claim initiates the insurer's assessment process — the insurer reviews the evidence, checks it against your policy terms, and determines whether and how much to pay.
How to make a claim
Notify your insurer as soon as possible after the loss — most policies set a notice period in their conditions. Gather evidence: photographs, receipts, police reports, or medical records as relevant. State clearly what happened, when, and what you are claiming for. Keep copies of everything you submit.
For step-by-step guidance, see our home insurance claims guide and the claims guidance hub. If your claim is disputed, our article on how to complain about your insurer explains the escalation process.