Claims Guidance

FNOL, or First Notification of Loss, refers to notifying your insurance broker or company that you need to make a claim against your insurance. This can be a fire or flood at your property, a liability issue, or you have been involved in an accident, or need to make a claim under another section of a vehicle policy such as theft or accidental damage.

When contacting to report your claim, the advisor you speak with will ask you some questions about the circumstances of the incident and other related information. It is important that you have as much detail to hand as possible to assist with recording the events of the claim. This will help to ascertain fault, and minimise the costs of settling the claim.

Notifying your insurance company of any incident which may give rise to a claim as soon as possible can reduce the cost of the claim against you.

It is common for drivers who have previously reported a claim to check up periodically on its progress. Most companies involved in handling claims will make satisfactory effort to keep the claimant updated throughout the process, although there will always be times when this falls short of expectation.

If you are looking for an update on an existing claim or wish to provide additional information relating to a previously reported claim, please check your policy documents and wording for details of who to contact.

If you are having difficulty finding the relevant information, contact us and we will be happy to assist you.

NOTIFYING YOUR INSURER AS SOON AS POSSIBLE MAY REDUCE THE COST OF THE CLAIM AGAINST YOU.

In the unfortunate event you are involved in a vehicle collision, or sustain other damage to your vehicle as a result of theft, attempted theft, vehicle fire or accidental damage, you will need to make your underwriting insurer aware of the situation and circumstances at your earliest convenience.

Some insurers will reduce your excess if the claim is reported within a specified time frame. Check your insurance documents and policy wording if you are unsure of how to proceed.

 You will need to refer to your policy documentation to clarify your level of cover and ensure you are covered to be compensated for the damages you are claiming. Even if you are not covered to claim back your own damages under the terms of your policy ensure you report all claims regardless of fault to the relevant parties.

An orange car crashing into the rear of a yellow car which has crumpled under the impact.

SETTLING A CLAIM OUTSIDE OF YOUR INSURANCE CAN LEAVE YOU EXPOSED TO UNRECOVERABLE FINANCIAL LOSS.

Some clients choose to not report claims to their insurance company as they have settled these outside of their insurance policy privately between the parties involved. Beware, a lot of people will agree to this course of action, and then also claim from your insurance after leaving the scene of the incident.

Report all incidents to your insurance company unless your insurance documents or ourselves have explicitly informed you otherwise. Certain insurers on our panel do insist you speak to them directly regarding the reporting of claims; please ensure you check this on your insurance documentation as we will not accept liability in the event that you overlook this clause.

ENSURE YOU CHECK YOUR POLICY DOCUMENTS FOR DETAILS ON HOW TO NOTIFY YOUR INSURER ABOUT AN INCIDENT.

Connect Insurance are partnered with Kindertons Accident Management, a company who provide immediate support to anyone that has been involved in a road traffic accident.

Kindertons can help to capture the details of an incident with accuracy, efficiency and empathy, and reduce stress and inconvenience for our customers. If you would like to make use of their services, they are available 24/7 on the number below.