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Complete a motor claim form if your vehicle has:

• been stolen or damaged
• damaged third-party property or caused third-party bodily injury
• alleged to have damaged a third party’s property.

For theft or total loss claims, insurers may need the following to value your vehicle:

• Registration document (V5)
• MOT certificate (if over 3 years old)
• Plating certificates (commercial vehicles)
• Purchase invoice (as evidence to any extras added to the vehicle)
• Details of any outstanding vehicle finance
• Keys (theft claims)
• For theft claims, also expect insurers to visit to take a statement.

If you’ve suffered a non-fault claim, our claims team will look to recover all of your uninsured losses (excess, hire, loss of use costs) from the insurer of the party at fault.

Complete a property claim form if your premises or contents are damaged or lost.

If you think the loss is over £5,000, call us immediately on +44 (0)117 9453900 then complete the claim form, while we arrange to appoint a loss adjuster.

• For losses below £5,000, submit the claim form and the following documents:
• Copy of original purchase invoice, as proof of ownership and original specification.
• Copy of engineer’s report confirming the item is beyond repair and a like-for-like replacement quote or two repair estimates.
• Photos.

For business interruption claims, insurers will need to see your annual accounts.

Call your Castlemead Director immediately or call us on 0117 945 3900.

We’ll visit you and arrange to appoint a loss adjuster to manage your claim. Their job is to gather information to assess the claim, which could include, but isn’t confined to:

• fire brigade and police reports
• photos of site immediately after the loss
• RIDDOR (Reporting of Injuries, Diseases and Dangerous Occurrences Regulations)
• the policy schedule to confirm sums insured and specific warranties
• the policy wording to ensure conditions and warranties were applied
• the proposal form to check disclosure of material facts
• a copy of the lease, if applicable
• a copy of property valuations to support sums insured disclosed at renewal
• criminal convictions of Directors
• previous fraudulent claims of Directors (personal or corporate)
• credit check on company and Directors.

Complete a public liability claim form if:

• a third party was injured (excluding road accidents)
• third-party property was damaged (excluding road accidents)
• a product you sold, serviced or supplied caused injury or damage.

A claimant must prove negligence, so insurers will need:

• accident book entry and first aider report
• HSE RIDDOR report
• pre and post-accident risk assessments for slips, trips, and falls
• written ‘safe system of work’ policy and documents showing its enforcement
• incident investigation report, including sketch plans and photos
• minutes of any health and safety meetings
• witness statements
• product sample, if possible, or photos
• details of product safety-check processes
• manufacturer’s details.

Complete an employer’s liability claim form if an employee is injured at work.

A claimant has to prove negligence against their employer, so insurers will need:

• accident book entry and first-aider report
• HSE RIDDOR report
• pre and post-accident risk assessments for slips, trips, and falls
• written ‘safe system of work’ policy, including PPE policy, and their enforcement
• incident investigation report, including sketch plans and photos
• minutes of any health and safety meetings
• employee records (job description, job application form, sickness and attendance records)
• claimant’s training and induction records
• wage details (net and gross) for 13 weeks before the accident and since
• witness statements
• machine handbook and maintenance records
• anything else helpful to insurers.

Complete this claim form if goods you’re transporting are damaged:

• out on the road using your own vehicles
• during transportation using a subsidiary, but you’ve arranged the insurance
• while temporarily stored in your warehouse for onward transportation.

Insurers will need:

• a copy of the transportation invoice between you and your customer
• claused delivery note signed at delivery point stating damage or missing items
• all correspondence between you and your customer
• engineer’s report confirming ‘beyond repair’ or repair estimate. If beyond repair, copies of invoices between your customer and their customer to show the price of damaged item(s)
• packing lists

And for marine claims, specifically, insurers will need a:

• bill of landing / airways bill / consignment note/ freight invoice
• copy of certificate of insurance, showing cover and sum insured
• copy of the letter to subcontractor/consignee/freight forwarder, holding them liable for damage. This must be written within 7 days of the loss to comply with marine cargo clauses.

Call us on +44 (0)117 9453900 for a claim form, as each insurer has their own one. Insurers will likely also need:

• a copy of the accident book entry if the injury happened at work
• a copy of sick notes
• for a temporary disability:
• wage details (net and gross) for 13 weeks before the accident and since, to
• calculate the average weekly earnings entitlement.
• for a permanent disability:
• wage details (net and gross) for 12 months before the accident.
• consent to access medical records for more serious injuries such as loss of limb.

Call us on +44 (0)117 9453900 for the specific claim form you need. For any travel claim, your insurers will need copies of:

• travel bookings (flights/hotels etc.)
• a letter from the employer confirming employees were travelling for business.

For cancellation or curtailment claims, insurers will also need:

• a copy of the cancellation invoice
• copies of any refunds provided by airlines
• copies of invoices for rearranged flights
• a doctor’s letter confirming you’re unable to travel due to illness
• copies of invoices for any other costs incurred due to delay (e.g. hotel expenses).

For medical expense claims:

• call the emergency contact number on your policy to arrange direct billing between the hospital and your insurers
• for smaller medical costs, insurers will need copies of invoices and a doctor’s letter confirming diagnosis.

For personal effects, a copy of the:

• original purchase receipt (to prove ownership and specification of item)
• foreign police report (for lost or stolen items)
• repair estimate or replacement estimate on a like-for-like basis.

For money claims:

• a copy of the bank withdrawal or exchange receipt.