Home Insurance FAQ
1. My broker is closed and I have an emergency, what do I do?
If you are a Home policy holder ring on 0845 301 1313 or 0845 146 1542 if you are an NIG Elite policy holder. They can arrange for a local qualified tradesman to call you and give immediate advice on your emergency, they will also confirm the time that they expect to reach your property to carry out emergency repairs.
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2. Are emergency repairs covered by my policy?
Always read your policy thoroughly. If the emergency is a result of an insured event listed on your policy, we will pay the reasonable cost of the repair. If temporary repairs are needed to prevent further damage to your property, you should arrange for them to be carried out immediately. Keep the invoices as you may be able to claim these costs back. You should always take steps to prevent the loss or damage to your property.
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3. Do I need to send back my claim form?
Yes, you will always need to complete, sign and return your claim form. Give as much clear information as you can in order to help us progress your claim quickly.
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4. Will I need to send in documentation?
You will need to give us any information and evidence we ask for, including written estimates and proof of ownership or value to substantiate your claim.
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5. When would you require me to inform the police?
You will need to inform the police immediately if there has been loss or damage caused by deception, theft, vandalism or malicious damage, riot or loss outside your home and you must take all reasonable steps to recover any stolen property.
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6. I would like to discuss my claim with the adviser dealing with it, how can I contact them?
Once your claim has been registered with us a claims adviser will be appointed to deal with your claim. If you wish to discuss your claim with your claims adviser then please call us on 0845 607 1626 8.00am to 6.00pm Monday to Friday, or email us at information@nig-uk.com.
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7. I'm having trouble finding a qualified tradesman / cleaning and restoring company in my area, can you recommend someone I can trust?
Just contact your broker or call us direct and we will be able to appoint one of our approved contractors in your area.
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8. I am having trouble getting estimates for the repair / replacement of my lost / damaged property. Is there any way you can help?
Don't worry! We can arrange to collect the damaged item from your home or place of your choice and take it away to be assessed. If the item can be repaired they will arrange to do so immediately, and offer a 12 months guarantee on their work. If they are unable to repair the item, then arrangements will be made to replace it for you. We will aim to replace it with the same model or its nearest equivalent. If you want to take the opportunity to upgrade your item, just ask, and we will try to obtain the model of your choice.
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9. My belongings are completely ruined, can I throw them away?
No. It is important NOT to dispose of any damaged goods until an adviser has agreed that you can. It may be necessary for us to inspect the item/s in order to progress your claim. Failure to take steps to prevent further loss to your property may hinder your claim.
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10. My home is unfit to live in, where can I go?
We will pay reasonable costs of similar alternative accommodation for you, the family that usually reside with you and your pets if you cannot stay in your home as a result of an insured event.
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11. What does NIG do to help combat fraud within the Insurance Industry?
The huge majority of our policyholders who make a claim are completely honest, however, some claims made can be exaggerated or even completely fraudulent. In order to identify and investigate these claims, NIG has set up a highly effective Special Investigation Unit.
The staff on this unit have access to a variety of Insurance Industry databases which share information with other companies giving NIG the weapons to fight fraud whenever possible. Furthermore, if we do identify any fraudulent claims, we usually contact the police and inform them.
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