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Make life easier at claim time

Insurance is there as a lifeline to help you cope when the unfortunate happens. Hopefully, you'll never have to use it but, if you do, being properly prepared will make your life a whole lot easier at claim time.

To help you, here are a few tips:

1. Know your policies

We all agree that insurance policy documents don't make great bedtime reading! However, it's important to set aside some time to read them thoroughly so that you have a good understanding of what you're covered for. It may help to make a list of the companies with whom you have insurance and their contact numbers. It's surprising the number of people who can't remember who their insurer is, or what they are insured for, at claim time.

2. Have a backup plan

Make sure that someone in your household or family knows where all your documents are kept so that, if anything happens to you, someone else can act promptly on your behalf.

3. Act quickly

Phone your insurance company as soon as the event has occurred. This will ensure that everything is fresh in your mind so that you can give as much detail as is required. You may need to complete a claim form or obtain additional information, so making immediate contact will start the ball rolling.

Most insurance companies will have an 0800 number and many operate extended business hours.

4. Online forms

Can't find a form? Use the insurance company's website. Most will have claim forms to download, saving you time and entering your information into the queue quickly for claims processing.

5. The more information the better

Give as much information as possible. This will save delays later on if the insurance company needs to come back to you for missing information. If possible, you may want to jot down some notes as soon as the event has occurred.

6. Tell your adviser

Let us know what has happened. We can offer advice and, if necessary, liaise with your insurance company on your behalf.
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