Claims tips

Follow these important guidelines to help ensure your claim is processed smoothly and efficiently.

Document the damage

Take photos to evidence the damage and record as many details as you can; including time frames and the sequence of events.

Preserve evidence

Do not dispose of anything damaged without checking with your insurer beforehand. Your insurer may want to inspect the item/damage in order to validate your claim.

Work with specialists

Work constructively with your insurer and loss adjuster. Loss adjusters are independent claims specialists who work on behalf of insurers and policyholders.

Check before repairs

Check with your insurer before you appoint tradespeople to make repairs to your damage. This could cause disputes and incur costs if your insurer is unaware.

Report liability claims

Report any liability claim received from third parties immediately. There are timescales laid down by law with which you need to comply.

In the event of a claim...

Should you wish to speak with Lloyd & Whyte regarding a claim, you can contact our dedicated claims team on 01823 250540, Monday to Friday, 9am to 5pm, or email us at claims@lloydwhyte.com.

Outside of these hours, you can contact your Insurer and they will be happy to assist. Please have your details to hand for validation purposes.

Frequently asked questions

Common questions about making a claim

You'll need your policy number, details of the incident (date, time, location), photos of any damage, and contact information for any other parties involved. Having this information ready will help speed up the claims process.

The time frame varies depending on the complexity of the claim. Simple claims can be processed within a few days, while more complex cases may take several weeks. Our team will keep you informed throughout the process.

Making a claim may affect your premium at renewal, depending on the circumstances and your claims history. However, this varies by insurer and policy type. We'll discuss any potential impact with you during the claims process.

A loss adjuster is an independent claims specialist appointed by your insurer to assess the damage and validate your claim. They work to ensure fair settlement for both you and the insurer. Cooperating with them helps expedite your claim.