Welcome to your H&H Claims Care Package

As a company, we put our claims service at the heart of our business; after all that's why you take out insurance. Claiming on your insurance should be a hassle-free and straight forward experience. When the worst happens, you need to know your claim will be dealt with as quickly and efficiently as possible, and it's the job of our claims department to ensure that happens.

Stuart Torrance, Claims Manager at H&H Insurance Brokers standing in the rain under a colourful umbrella

Personal service, stress-free

As a team we work with our clients daily, not just to record the claim but to manage the process on behalf of you, our client, to ensure the best possible outcome.

In addition to our dedicated team's personal service, you are also entitled to:

Access to a Loss Assessor for a free consultancy service
Specialist support to assist you pursuing your motor claim directly against a third-party insurer for non-fault motor incidents

These benefits and access to our dedicated, in-house support service will deliver a stress-free, personal service to you - our valued client - in the event of a claim.

Claim Form

I need to make a claim

Notify us of the incident as soon as possible. We will provide guidance on what steps to take next. It takes less than 10 minutes to tell us what’s happened and get your claim moving.

Make sure everyone involved is safe

Make sure everyone involved is safe before getting in touch. If you feel it is best to speak to us directly please call us now to discuss your claim. We are available on 01228 406250 during office hours.

Document the damage

Document the damage: Take photos or videos of the damage to your property or vehicle as soon as possible after the incident occurs. This will provide visual evidence of the extent of the damage and can help support your claim.

Provide accurate information

Be honest and provide accurate information when submitting your insurance claim. Misrepresenting or exaggerating the damage could lead to your claim being denied or your policy being cancelled.

Be patient

Insurance claims can take time to process, especially if they involve complex or large-scale damages. Be patient we will follow up with you regularly on the status of your claim

Report quickly

This provides opportunity to gather vital evidence ie CCTV footage before it is deleted, contact witnesses and pursue Third Party fault claims to apportion liability. If you are at fault this will help control claim costs to keep your future premiums low.

Quality of information

It is all in the detail: more is better than less and can be vital in helping to support insurers when defending against spurious claims made against you. It is important not to exaggerate or inflate the value of your claim; you should also keep copies of the original documents you supply.

Stuart Torrance, Claims Manager

We are claims focused, what does this mean?

When things go wrong, we will be there for you...
We pride ourselves on being a claims led organisation and fully understand that making a claim can be a stressful experience, with a lot of information to gather before it can be submitted. To help relieve this stress, our dedicated claims department will act on your behalf throughout the claim process. Led by Stuart Torrance, the team has many years of experience and will give you their advice and work with you to find the best solution for you - if needed, even challenging insurers to make sure their settlement is a fair one.

You may contact the team direct on 01228 406250 during office hours, your local office number or complete the online claim form.

Claims FAQ’s

1. Do you have to claim on your insurance?

The simple answer is NO, even if you’re entitled to! For example, if your claim was of a low value, you may not wish to make a claim because your future premiums could increase by more than the amount you have claimed. We will advise you on this aspect.

2. Should I tell my insurer about the incident even if I'm not claiming?

Even when you do not wish to make a claim on your insurance policy, you must always tell your insurer about an event that could bring rise to a claim. If you do not report it and a claim materialises at a later stage this can prejudice your insurers position and they may not be able to offer you any policy coverage. This is especially important when someone has sustained injuries. Personal Injury claims can be expensive because injuries can often leave the injured party with debilitating long term health problems.

3. What will I need to support my claim?

In general, you need to provide copies of all paperwork that will help your claim, including:

• Images
• Original purchase receipts
• Emergency repair invoices to make property secure and safe
• Repair quotations
• Replacement quotations including confirmation an item has been deemed beyond economical repair if this is applicable
• Confirmation of VAT status ie can you claim VAT from HMRC in respect of the property being claimed for? If yes, insurers will only be able to consider any claim net of VAT where this is applicable
• Bank details for claim settlement

4. What do I do if someone is making a claim against me?

You should tell your insurer at the earliest opportunity to provide them any paperwork you receive.

DO NOT admit anything is your fault without talking to us first, as this would be deemed as you admitting liability for the incident.

5. How do I know if I can make a claim?

When claiming, we will check your policy to check you are covered for what you need to claim for. Examples of this could include time limits for making a claim and specific cover amounts for what you are claiming for; we'll check your policy terms and conditions.

6. What is my policy excess?

This is the amount of money that your insurer will deduct from your claim. If the claim value is below this amount, insurers will be unable to consider your claim. We will discuss the merits of claiming/not claiming with you especially if of a low value.

7. What is my basis of cover?

Either reinstatement (new for old) or indemnity (replacement value less depreciation for wear and tear)