Household Claims

• Report immediately to the police any item lost, or any theft or malicious damage and obtain a Crime Reference Report.
• Secure or make safe property immediately.
• Report the claim to Cliverton within 30 days to enable the claim to be lodged with the insurer. Please note, most insurers operate telephone claim helplines dispensing with the need for claim forms to be completed. The insurer should be able to put you in touch with approved repairers and to arrange for replacement electrical and jewellery items etc. The helpline telephone number will be on your insurance schedule.
• Losses over £1,000 are usually handled by a loss adjuster or the insurer’s own claims inspectors.
• Two estimates are required for any works or replacement items.
• It is useful to keep a record of receipts/valuations/photographs for fine art and valuables.
• Claims are settled at the insurer’s option either by replacement, reinstatement, repair or payment. Salvage then belongs to the insurance company.