Home and contents claim
Need to make a claim? Find the information you are looking for here
What you'll need before you begin
Have your insurance policy number ready
Address and contact details
A description of the loss, including how and when it occurred
Photographs or videos if available of damage
Supporting documentation to assist with valuations or repairs
Crime reference if applicable
Have a Lorega policy?
Please phone 0207 767 3072 to advise them of your claim
Have our mobile claims app?
Report your claim via the app. Like to learn more? Contact your Account Handler.
Notify us of your claim
Please select your branch from the dropdown list below, all online claims notifications will be reviewed within 48 hours. Please complete as much information as possible so that we can help process your claim. To assist with the detail, please utilise the downloadable claim form below.
Claims contact number
Out of hours number
Claims email address
Home & Contents Claims Form
Download our Property Claims Form, complete the details and send back to our dedicated claims team.
What happens next?
Insurers may appoint a loss adjuster to investigate the claim
Once fully assessed, insurers will determine coverage and any settlement
Insurers will review whether “new for old”
Frequently asked claims questions
Answers to questions that you might find useful. Can't find what you're looking for? Get in touch, our dedicated claims team will be happy to help.
Are there any limits to the amount that can be paid?
Yes, there are typically limits to the amount that can be claimed on a property claim. The limits vary depending on the terms and conditions of the insurance policy. Insurance policies usually have a sums insured value, which is the maximum amount the insurer will pay out.
Will my premium increase following a claim?
Possibly, however difficult to confirm as other claims under the policy will be considered in addition, market conditions will also be relevant and until the claim settles reserves are applied based on information available at the time.
How long will my claim take?
It is difficult to advise, and every claim is different. We will ensure we monitor your claim from report to ensure the claim is progressing. We will provide an update to you, when necessary.
What is a policy excess?
This is the portion of the claim you are responsible for paying. Please refer to your policy schedule to identify the applicable excess.
How long do I have to report a claim?
Generally, insurers require you to report all matters as soon as you are aware, or the incident happens. Please consult your policy Terms & Conditions to confirm any specific requirements.