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When something happens

Claims Guidance

Report a loss or incident as soon as reasonably possible. We can help you identify the correct reporting route and guide you through the first steps.

Last updated: 5 September 2026

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07780 385224

If the matter is urgent or outside normal availability, use the insurer’s claims or emergency number shown in your policy documents.

What to do now

  1. Protect people first. Contact the emergency services where necessary and do not put yourself or anyone else at risk.
  2. Limit further damage safely. Take reasonable emergency steps where you can, but do not begin permanent repairs or dispose of damaged items unless authorised or essential for safety.
  3. Record what happened. Keep photographs, videos, receipts, estimates, correspondence and the details of anyone involved.
  4. Notify the right authorities. Report theft, malicious damage or other crime to the police and retain the crime reference number.
  5. Do not admit liability. Do not agree blame, settle a demand or promise payment to another party. Forward correspondence unanswered.
  6. Report promptly. Have your policy number, insurer, date and circumstances available when you call.

How the claim may be reported

Many claims are reported directly to the insurer or its appointed claims team using the number or portal in the policy documents. Vantage can help identify that route, explain the information likely to be required and remain available while the insurer or appointed handler manages the claim. Cover, excesses, settlement and acceptance of a claim are always subject to the policy terms and the insurer’s decision.

Can’t find your documents?

Call us or send a general enquiry. For an urgent claim, telephone is the quickest route.

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Vantage Insurance Brokers is a trading style of Simple & Smart Insurance Services Ltd, authorised and regulated by the Financial Conduct Authority. FRN 499191.

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