How To Claim

In this section you will find information and advice to guide you through the process to make a claim, whether it is in respect of a commercial, rural, private client or equine related matter.

 

If you are in any doubt about how to proceed and wish to speak to your Lycetts contact, please contact us directly.

 

Rural

In the event of a claim please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident. Some polices have strict time limits for notification of claims, so if there is a delay you may prejudice your claim

 

If the claim is to be for theft or malicious damage, please remember to report the incident to the police and obtain a crime reference number.

 

On larger claims (in excess of £2,000) insurers may wish to appoint a loss adjuster, in which case your Lycetts team will provide advice on procedure.

 

Regarding liability claims, it is essential that any potential claims are notified to Lycetts immediately and all correspondence is promptly forwarded to your Lycetts contact.

Commercial

Commercial General

 

It is a condition of all insurance policies that incidents that may result in claims are reported to insurers without delay. If such incidents are not reported within an acceptable timescale (usually 30 days from the time of the incident) your insurers may refuse to indemnify you.

 

In the event of a claim in relation to a commercial business policy you should contact your Lycetts account executive/handler as soon as possible.

 

When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person.

 

The following notes are intended to assist you in taking the appropriate action to ensure your claims are dealt with as quickly as possible:

 

 

Injury to employees or third parties

 

  • Serious injuries or fatalities must be reported immediately by telephone to allow your insurers the opportunity to commence investigations.
  • A claim form should be completed as quickly as possible and forwarded to Lycetts, together with any correspondence received from claimants or their representatives.
  • Do not enter into correspondence with claimants or their representatives except to acknowledge receipt of correspondence.
  • Any incidents resulting in employee absence for more than 3 days should be reported as quickly as possible
  • If a writ or summons is received it must be forwarded to Lycetts immediately.

 

 

Damage to third party property

 

  • All damage should be reported as quickly as possible with serious incidents reported by telephone.
  • A claim form should be completed and forwarded to Lycetts, together with any correspondence received.
  • Do not enter into correspondence with claimants or their representatives except to acknowledge receipt of correspondence.
  • If a writ or summons is received it must be forwarded to Lycetts immediately.

 

 

Loss or damage to own property

 

  • Incidents where the damage is likely to exceed £1,000 should be reported by telephone to enable insurers to attend on site if required.
  • A claim form should be completed and forwarded to Lycetts.
  • Supporting documentation should be forwarded as quickly as possible to substantiate the loss.

 

 

Personal accident & sickness

 

  • Serious injuries or fatalities must be reported immediately by telephone to enable your insurers to investigate should they wish. It is not acceptable to wait until the claimant has returned to work.
  • Minor injuries should be reported as soon as possible.
  • A claim form should be completed and forwarded to Lycetts.
  • Wages details and copy sick notes should be forwarded without delay so as not to prejudice interim payments.

 

 

Motor accidents

 

At the scene of the accident you should:

  1. Exchange names, addresses and insurance details with all of the parties involved.
  2. Obtain the names and addresses of any independent witnesses
  3. Refrain from any admission of liability.

 

In addition, please note the following guidelines:

  • A claim form should be completed for all claims, whether your vehicle is damaged or not as soon as possible.
  • Where damage is caused to your vehicle, you are responsible for your policy excess and you will be expected to pay this sum to the garage in addition to the VAT.
  • If the vehicle is still safe to drive please obtain a repair estimate and advise Lycetts when the vehicle is going into the repairers, allowing sufficient time to arrange an inspection if necessary.
  • If the vehicle is not safe to drive please obtain a repair estimate and advise Lycetts where the vehicle is so that an inspection can be arranged.
  • If the vehicle is beyond economical repair a cash value is agreed with you based on the market value of the vehicle at the time of the loss. In these circumstances, insurers will require the original log book, valid MOT certificate and any spare keys.
  • If you need to hire alternative transport you must mitigate your losses, keeping such costs to a minimum. Lycetts will attempt to recover uninsured losses from the third party if they are legally responsible.
  • When someone claims against you send all correspondence to Lycetts without delay.

 

If you or your driver is to be prosecuted for an offence following an accident, send a copy of the summons to Lycetts (in most circumstances your insurance company will be prepared to defend the action on your behalf and pay costs incurred with their consent).

 

 

General

 

  • When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person.

Private Client

In the event of a claim please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident. Some polices have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.

 

If the claim is to be for theft or malicious damage, please remember to report the incident to the police and obtain a crime reference number.

 

On larger claims (in excess of £2,000) insurers may wish to appoint a loss adjuster, in which case your Lycetts team will provide advice on procedure.

 

Regarding liability claims, it is essential that any potential claims are notified to Lycetts immediately and all correspondence is promptly forwarded to your Lycetts contact.

 

 

Household Claims

 

In the event of a property or contents related claim please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident. Some polices have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.

 

Please note these guidelines in the event of claim.

 

  • 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 £2,000 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

 

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

Equine

Equine insurance

 

If your horse has suffered an injury, illness or disease and it is life threatening, please contact your relevant office by telephone without delay:

 

Newmarket:      01638 676 700

Marlborough:     01672 512 512

 

Please note that both of these offices have designated emergency staff who deal with incidents which happen in the evening or at the weekend and an answering machine will direct you accordingly. In particular we are used to receiving calls concerning life threatening fractures, colic and horses which are about to be operated on under general anaesthetic. 

 

If you horse has already died, please advise us during working hours at your earliest opportunity and send us the following:

 

  • A post mortem report
  • A report from the attending vet
  • A completed claim form (which we will send to you upon receipt of notification of loss)

 

 

Equine liability

 

In the event of a serious incident please email or telephone your usual Lycetts contact with the details and the completed RIDDOR report form. 

 

If you receive formal notification of a claim, please forward the letter by email or fax to your usual Lycetts contact. Please do not make any attempt to reply direct, even if the allegations are untrue.

 

Please note that there is an obligation placed upon insurers to acknowledge receipt of a formal claim within 24 hours and it is therefore important that we receive it as soon as possible. 

 

 

Equine property

 

In the event of an equine property related claim, please follow these guidelines:

  • 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 £2,000 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.

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