With any luck, you haven’t been put in a position where you’ve had to lodge too many insurance claims. But in the event things do go wrong, rest assured knowing your insurance broker is there to make the claims process as painless as possible.
One thing you might be wondering is what you’ll need to have on hand when you do need to make that call to your broker. We’ve put together this handy guide to help you be prepared for a few standard questions they’ll have.
-The 4 W’s
Who, What, When & Where. You’ll want to have details of who was involved, what you’re claiming on, what happened, when it happened and where it happened.
If you have them, photos can be crucial to your claim. In the case of property damage, you’ll need to provide as much visual proof as possible.
Hold onto receipts for expensive items (scanned copies are sufficient). These can be critical to the smooth running of your claim and sometimes your policy will require proof of purchase in the case of theft or damage.
Your broker will do the legwork for you in terms of processing the claim, but having these things on hand will speed up the process (making it less likely that they’ll have to ask for them later!) Of course, each claim is different, that’s why having a dedicated broker is so important. They know your policies and your needs and can tell you what you may need that’s unique to your case.