Time to make an Insurance claim? Getting in touch with us is always the first best step: we can help you through the process and let you know what you need to do.

But there are some other things you can do to help your chances of a successful claim. Read on for some key examples…

Complete the form in full

As your adviser, we are always here to help you with the paperwork. But if you have to complete any forms, make sure you give the Insurance provider all the information they need to assess your claim.

You need to answer every question on the claim form fully, or state why it is not relevant. Insurance providers use this information to decide if you have a valid claim, and therefore whether they will pay your claim. If you don’t provide all the information that is needed, it could delay your claim being approved, or even worse, it could be declined because you haven’t demonstrated a valid claim exists.

Read your Insurance policy

Not sure if you are covered? Once again, we are here to answer any questions you may have – big and small. In the meantime, taking a moment to read your policy is always a good idea (especially before submitting a claim).

Depending on the type of policy you have, some claim events might be excluded or only covered in certain circumstances. If you are unsure whether your event is covered, check with us: we can help you make sure you are following the provider’s claims process, submitting the claim to the right person or department.

Gather all the necessary details

While we work hard to take the hassle out of claim time, there are still things that only you can do.

Depending on the type of Insurance you have, for example, you may need to gather the evidence and write a complete account of what happened. The more information you can provide, the clearer everything is for your insurer – which may reduce the amount of time for your claim to be paid.


Accuracy is one of the secret ingredients of a successful Insurance claim, but with the amount of information you need to provide, claim time can be stressful. Our advice is: talk to us, as we can help you prepare and file your claim. Most importantly, we are an advocate for you, so if something is a bit ‘grey’ we can liaise with the Insurance provider on your behalf, for a hopefully successful outcome.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek advice from a financial adviser.