How to make a claim

We're here to help

How the claims process works

Whether you’re dealing with property damage, liability issues or another insured event, our Commercial team is here to help. Contact us as soon as possible and we’ll guide you through the next steps, supporting you throughout the claims process with your insurer.

Contact us

As soon as an incident occurs, get in touch with your Commercial team at the branch that looks after your policy.

The sooner you let us know, the sooner we can start helping and advise on the next steps.

 

Worcester branch

+44 (0)1905 930 760

hello@HavenKJCommercial.com

Plymouth branch

+44 (0)1752 485090

plymouth.commercial@HavenKJ.com

Southampton branch

+44 (0)23 8063 6677

sails@HowdenGroup.com

If you need any assistance along the way, our team is always on hand to help answer questions, provide guidance and support where needed.

FAQ's

How quickly will my claim be handled?

Timeframes vary depending on the nature and complexity of the claim. However, our team works proactively to move matters forward as efficiently as possible.

What information do I need to make a claim?

Typically, insurers require details such as the date of the incident, location, what happened, and any parties involved. If you’re unsure what is needed, we can guide you through the information gathering process.

Do I need to provide photographs or documents?

Depending on the claim, insurers may ask for photos, reports, receipts, or repair estimates. We can help you understand what documentation is useful and how to provide it.

Will my premium increase if I make a claim?

This depends on your insurer’s policy and underwriting approach. We can explain how your cover works and help you understand any potential implications.

Can you help with further evidence or clarification?

Yes – we can assist in communicating with the insurer and help ensure all required information is submitted clearly and promptly

How do settlements work?

Settlement depends on the type of cover, the extent of the loss, and the insurer’s assessment. We can help explain the process and ensure all relevant information is shared.