Make a claim on your existing You Choose Home Insurance
Our claims team will be able to answer your questions and give you the information you need to ensure that making a claim is straightforward, quick and hassle free.
Step by step
If you’re making a Home Insurance claim, here is a step by step guide on what to expect:
Please contact us on 0345 072 7147* to make a claim (we’re open from 9am - 5pm Monday – Friday.)
Details of your claim
Our claims team will then verify your details and ask for details of your claim. The more details you can provide during the first call, the quicker the claims process will be. Receipts for your contents may be required especially for valuable items, receipts will speed up the process of settling the claim.
Putting things right
If you are claiming for accidental damage, our dedicated claims team will decide if the item could be a possible repair. They may allocate a supplier to inspect the item to help make this decision. If the item cannot be repaired our claims team will value your replacement on a like for like, new for old basis. We don’t make any deductions based on wear and tear. A supplier may also be allocated to value and replace the item. You may be given the option of a replacement or a cash settlement. You may also be asked for receipts and photos of the accident before settling. If cash is paid, the amount paid will reflect any discounts we may have received had we replaced the property.
If you’re claiming for damage to your buildings, or for any large loss such as a flood, escape of water (for example a burst pipe), fire or subsidence, our claims team may send a personal claim specialist to your home to survey the damage caused and to assist with the management of your claim . Our dedicated claims team will then contact the correct tradesperson and suppliers to repair the damage and manage the process for you.
Settling your claim
If you take a cash settlement, this will be paid directly into your account where we take your direct debit from or we can issue a cheque. If your items are being replaced, the claim will be closed once you have received them. If a personal claims specialist has been appointed, your claim will be closed once you accept a cash settlement paid directly into your account, or all works are complete and replacement items provided. If any excess is due this will be requested before settlement of your claim. A number of well-known retailers around the UK are used so you could receive a gift card with the settlement amount applied. Please ensure you have a valuation of 3 years or less for any valuables/jewellery over £5,000.
Home Emergency assistance gives you £500 of cover and this usually assists in the following:
- Failure of the electricity supply
- Repairs to the plumbing or drainage system
- Removal of vermin.
- Securing a property when windows and/or doors have been damaged
- It also helps with the cost of accommodation if you're unable to live in your home.