Farms, smallholdings and equestrian insurance claims
Immediately secure or make your property safe.
Report immediately to the police any item lost, or any theft or malicious damage and obtain a Crime Reference Report.
In the event of a claim in relation to a farm, smallholding or equestrian policy, you must notify Cliverton within 7 days and ensure that a completed claim form is forwarded to the insurer within 30 days.
Your farm and smallholder insurers operate out of hours telephone claim helplines, details of which are included in your annual schedule of cover.
If a claim is likely to exceed £2,000, insurers may wish to appoint a Loss Adjuster, in which case your Cliverton account executive can provide advice on procedure.
Two estimates are required for any works or replacement items.
Insurance claims are settled at the insurer’s option either by replacement, reinstatement, repair or payment. Salvage then belongs to the insurance company.
Regarding Liability claims, it is essential that any events which may result in a claim are notified to Cliverton immediately and all correspondence is promptly forwarded to us. The Courts apply strict time limits for responses to claimants and your insurer’s ability to defend the claim may be jeopardised if you fail to pass correspondence to your insurers promptly.
You should not enter into correspondence with a claimant or solicitor, although you may acknowledge receipt of a claim and pass on Cliverton’s contact details.
Do not admit liability or make any offer of payment.
In certain circumstances we may have authority from the insurer to settle insurance claims on their behalf. In doing so we will act as their agent. We will advise you should this arise and we have procedures in place to manage any conflict of interest which may result.