Make an optional cover home claim

Check that you’re covered by reading your policy document, which you can find in your online account or policy confirmation email. Or you can check examples of our insurance policy documents

1. Check your excess. You can check this, your cover limits and details of endorsements in your Statement of Fact, which can be found in your online account or policy confirmation email.
   
   
2. Check that you’re covered by reading your policy document, which you can find in your online account or policy confirmation email. Or you can check examples of our insurance policy documents
   
   
3. Check if you can make your claim online
   
   You can make a claim online for the following:

• • Escape of water
  • Storm damage
  • Accidental damage
  • Loss of personal belongings
  • Theft of personal belongings
  • Freezer food.
    
    
  Make a claim online

• Your policy number. You can find this on your confirmation email or documents
• Photos of the damage, or photos of the lost or stolen items if you have them
• Any relevant receipts or quotes, which will help with your claim
• If there has been a theft you should report it to the police.

The more details you can give us, the quicker we can progress your claim.

Make a claim online

We’ll usually:

• Check that you’re covered by your insurance - Your Insurance Policy Documents - Rias.
• Confirm how much excess you’ll need to pay. You can check this in your Statement of Fact, which can be found in your online account or policy confirmation email.
• Ask for supporting evidence – this could include photos and quotes.
• Send you a link to the online claims hub to manage your claim and upload photos or documents.
• Suggest the best course of action or options. If the damage is substantial, we’ll send an expert round to talk you through your options.
• Review your claim and keep you updated.
• Offer repairs or replacements – we have a huge network of approved repairers. We’ll pick the best one for you and take care of everything.
• Or organise a cash settlement if appropriate.

You’ll receive a decision on the outcome of your claim straightaway if we can. If, for any reason, we are unable to provide you with an immediate decision, we'll tell you what will happen next and how long it might take.

Make a claim online

Browse our home claims FAQs, for answers to questions about:
Accidental damage, Building or contents damage, Fridge or freezer food, Leaking or freezing water and oil, Storm damage and complaints.