As a Chartered Insurance Broker, we pride ourselves on expert knowledge, but what about support with your claim?
The pressures of running a modern-day healthcare organisation continuously grows and claims can arise from an array of situations. Navigating the claims process can feel daunting, especially if you feel like your business or assets are at risk. Whilst an insurance adviser may be able to provide guidance on how to minimise the event of a claim, we thought we would provide a few additional tips on the timeline and navigation of submitting one.
If in doubt and you have any questions, use our claims enquiry inbox claims@lloydwhyte.com or phone one of our friendly specialists using 01823 250540 during our normal working hours of 9:00 – 17:00.
Review your Most Recent Policy Documents
If you would like to submit a claim and are feeling stuck on where to start or want to further understand the conditions of making one, a good place is to review your most recent policy documents. This could be from a new quote you have taken out if you have changed insurers, a recent renewal or a mid-term adjustment if you have had one. Your documents will cover how or if you’re covered but also, importantly, the notification period if you think you may be subject to making a claim.
Can’t find your documents? Lloyd & Whyte clients are able to find related documents and wordings by selecting the policy they wish to see here.
Make a Timely Notification of your Claim
Depending on the policy you need to claim on, notification periods will differ. After reviewing the relevant policy documents, it is essential to comply with the notification period that is stated. Example notification periods, if your current scheme is with Allianz, are as follows:
- Practice and Property Owners Insurance:
Typically follows a 28 to 30 day notification period depending on the claim.
For instance, damage or consequential loss by riot or civil commotion have a 28 day notification period whilst all other cases have a 30 day notification period.
Please notify your insurer immediately upon being advised of any prosecution which may form the subject of a claim within your policy.
We recommend that you make a notification of absence within ninety (90) calendar days of any occurrence which may result in a claim under your Locum policy. This is regardless of your deferment or excess period.
This is not only to comply with the condition of the policy, or else your insurer may reject your claim, but not making a timely notification may result in a delay of your claim.
- Professional Indemnity and Third-Party Liability Claims:
If you have been made aware of an event that could escalate to a claim, please inform your insurance broker or insurer immediately, even if the event does not result in a claim. You are still required by law to comply with specific timeframes.
Get in Contact
Please contact our claims enquiry inbox claims@lloydwhyte.com or phone one of our friendly specialists using 01823 250540 during our normal working hours of 9:00 – 17:00.
Outside of these hours, you can contact your Insurer directly and they will be happy to assist. Please have your details to hand for validation purposes.
Have a constructive relationship with your insurer
You do not have to manage the communications between yourself and your insurer alone. If you are a client of ours, this is something we can provide support with. However, it is important to respond promptly to any requests from either your insurer or your insurance broker. If a third-party representative is required in response to your claim, please treat them with the same respect and manner as you would your insurer or broker.
Working constructively with all those necessary to complete your claim is vital for a smooth claims experience.
If you need further guidance – such as information you may need for your insurer in the event of a claim, notification periods for a policy not mentioned or your rights in the event of a claim – please refer to your policy wording or you are able to contact your insurer directly.
