The excess if the first part of any claim which you have to pay. The excess are stated on your policy schedule.
A loss adjuster is an independent claims specialist who will investigate the claim being made on behalf of the insurers. Not all claims will require investigation.
Please contact our office, you can do this by calling 01328 857921 or by going to the claims section on our website.
In most cases you will require something in writing from the claimant stating that they hold you responsible.
A claimant is the person/persons who are making the claim against you.
Yes, you will lose your no claims discount for 3 years from your next renewal date, the premium increase will vary dependant on the amount of your claim.
Yes, you need to make us aware of any incidents even if no claim.
Yes, you should always make new or potential insurers aware of anything which is likely to affect their decision to insure you. Even if you are not sure if it is relevant.
Our policies do not automatically insure you for your own bodily injury, we do offer a Personal Accident policy which would cover you in the event of an injury whilst working.