Start with safety and notification
After an accident, fire, theft, equipment breakdown, or cargo loss, the first priority is safety. Once people and property are secure, notify A&G as soon as practical.
Early notification helps the claims team explain the next documents, inspections, or reports needed for the type of cover involved.
Records that help a claim start well
Claims are evidence-led. The right documents depend on the policy, but most claims benefit from a clear timeline and supporting records.
- Date, time, location, and description of the incident
- Photos or videos of damage where safe
- Police, fire service, medical, repair, or survey reports where applicable
- Receipts, invoices, inventory, waybills, or ownership records
Why claims can take longer
Some claims need extra review because liability is unclear, documents are incomplete, values need assessment, or specialist inspection is required. Clear communication reduces avoidable delay.