We wish to help where possible with the smooth processing of your claim.

All policies contain conditions dealing with the notification of claims which you should familiarise yourself with. As a minimum you are required to report any event that might result in a claim and all subsequent developments as soon as possible, some events / policies have more specific time limits.

We have therefore summarised below certain key issues for your guidance and to assist with the efficient handling of your claims.

Important Rules

• Immediately notify and provide available details of any event that could give rise to a claim under your policy.
• Do not wait to notify or submit a claim because invoices or other documents are not immediately available. They can follow at a later date.
• Immediately notify the Police Authority of any loss or damage due to Theft, Attempted Theft, Assault or Attack on any Person, Riot or Malicious Damage or if anyone is injured in a Road Accident and obtain a crime reference number.
• Never admit liability or make an offer to make payment to a third party without the consent of your insurer.
• Do not reply or respond to any contact or correspondence received from any third party or agent acting on their behalf. On receipt you must forward any notice of prosecution, inquest or fatal inquiry and every third-party letter, claim, writ or summons for insurers to take the appropriate action on your behalf.

Note:
Unless otherwise specified notification should be via West Lothian Insurance Services.

Late notification and admission of liability are common causes of insurers repudiating claims.

Failure to disclose all material facts in respect of the claim could prejudice your rights to recover your loss.