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General Claims Notification Protocols.

The following guidelines summarise typical reporting procedures.  However, please note that the notification protocols as detailed in each of your policies overrides anything written here, so it is imperative that you read the claims notification procedures in each of your policies as soon as you receive them.

Claims Protocol Guidance

Notwithstanding that health warning, in the event of an incident or claim, remember the following general principles:

• Take reasonable measures to mitigate further losses (e.g. turning the mains water off at the stopcock after discovering a burst pipe).
• Notify your insurer as soon as you become aware of a claim or circumstance or event which could give rise to a claim, under any of your policies.
• Never admit liability or make an offer to make a payment to third parties for accidents.
• Notify the Police or similar appropriate authority following a break-in, theft of property, riot etc.
• When making a claim it is your duty to disclose all material facts to Insurers.  Failure to disclose all material facts could prejudice your rights to make a claim.