Household Claims
- Report immediately to the police any theft or loss and obtain a crime reference report.
- Secure or make safe property immediately.
- Report the claim to Lycetts within 30 days to enable the claim to be lodged with the insurer. Please note, most insurers operate telephone claim 'helplines' dispensing with the need for claim forms to be completed. The insurer should be able to put you in touch with approved repairers and to arrange for replacement electrical and jewellery items etc.
- Losses over £1,000 are usually handled by a loss adjuster or the insurer's own claims inspectors.
- Two estimates are required for any works or replacement items.
- It is useful to keep a record of receipts / valuations / photographs for fine art and valuables.
- Claims are settled at the insurer's option either by replacement, reinstatement, repair or payment.
Travel Claims
All travel insurers require specific original documentation in the event of a claim.
For all claims this includes:
- Travel insurance certificate
- Tour operator's booking invoices showing holiday costs
- Travel tickets - airline, ferry, coach etc.
- Travel itinerary
General travel claims
For personal effects claims, please note:
- Personal baggage and money losses must be reported to the local police and a written report received within 24 hours
- You must obtain the property irregularity reports, and retain tickets and baggage tags from airlines/carriers
- Evidence of ownership is required, for example, an original receipt, a photograph of the item concerned, an operating manual for a camera
For claims in regard to cancellation, curtailment or medical expenses, please note that the following is required:
- Receipts for medication, consultations or treatment
- A medical certificate completed by your usual GP or consultant
- If emergency treatment is required or curtailment of trip is necessary, the emergency service provider must be contacted
Require more information? email info@lycetts.co.uk
