Life happens when we least expect it, a car accident, storm damage to your home, or unexpected medical bills. In those moments, your insurance isn’t just a piece of paper, it’s your lifeline. But here’s the catch: having a policy is one thing; knowing how to file an insurance claim successfully is what ensures you get paid fast and fully, without headaches, delays, or unnecessary back-and-forth.

That’s why we’ve put together this step-by-step guide to stress-free recovery, designed to help you navigate the process like a pro and get the support you deserve.

1. Know Your Policy Inside Out

The last thing you want in a crisis is surprises. So before disaster strikes:

🔍 Review your policy documents carefully.

• What does your cover include and exclude?
• What are your limits, deductibles, and waiting periods?
• Are there timelines for reporting incidents?

📌 Pro Tip: Call your insurance broker or company to clarify any gray areas don’t wait until you’re in the middle of a claim.

 2. Report the Incident Immediately

Timing is everything. Most insurers require you to report a claim within a specified timeframe.

📞Notify your insurer or broker as soon as the incident happens, even if you don’t have all the details yet.

📌 Delaying could slow down or even void your claim. Speed is your best friend here.

 3. Gather Solid Evidence (Your Claim’s Backbone)

Proper documentation is critical for a successful claim. Depending on the type of claim, you may need:

• A police report (for theft, accidents, or criminal damage).
• Photos or videos of the damage or incident.
• Medical reports and invoices (for health claims).
• Repair estimates or receipts (for property or motor claims).
• Purchase receipt of the lost/burnt items. (for Domestic package, Golfers and Fire)
• Your policy number and identification documents.

📌 Tip: Keep a dedicated file for all claim-related records.

4. Complete the Claim Form with Precision

Your claim form is your official story tell it clearly and truthfully.

• Provide detailed, honest information about the incident.
• Avoid exaggerations or leaving out facts, they can trigger delays or further investigations.

📌 Double-check your form for errors before submitting.

5. Submit and Follow Up Like a Hawk

• Submit the completed form and all documents to your insurer or broker.
• Ask for confirmation that they’ve received it.
• Get a claim reference number for tracking.

📌 Follow up regularly to avoid unnecessary delays; don’t assume “no news is good news.”

6. Cooperate During Assessment

Your insurer may send an assessor to evaluate your claim.

Be cooperative:

• Answer their questions honestly.
• Provide access to damaged property or items.
• Share any additional evidence they request promptly.

7. Review Your Settlement Offer Carefully

• Once your claim is assessed, you’ll get a settlement offer.
• Check that it aligns with your policy terms.
• If something feels off, speak up, your broker can negotiate on your behalf.

Why Hillspan Insurance Brokers Makes Claims Easier

Filing a claim can feel overwhelming, but not when you have Hillspan Insurance Brokers by your side.

Here’s how we make it stress-free:

• We explain your cover in plain language.
•  We help you compile and submit all documents.
• We follow up with insurers to keep things moving.
• We negotiate settlements to ensure you get what you deserve.

📞 Need help with your claim? Call us today at 0769 487 794 or email info@hillspangroup.com

📌 With Hillspan, you’re never alone in the claims process.