Help with a claim
A loss is a bad moment to start reading your policy terms. Call us and we will help you work out how to report the claim, what documents to prepare and what to watch out for when dealing with the insurer.
First steps after a loss
The order of actions matters. Doing the right things can help limit the damage and make reporting and settling the claim go more smoothly.
- Make sure everyone is safeFirst, look after people and animals. If it is necessary and safe, turn off the water or electricity. If life or health is at risk, call the emergency services.
- Limit the damageTake reasonable steps to prevent further damage. Your policy terms may require you to limit the consequences of a loss.
- Document everythingTake photos of the damage, both of the whole scene and the details. If possible, record the damage before starting repairs or removing damaged items.
- Notify the relevant servicesReport theft or burglary to the police. If anyone is injured, call for help. If there is a flood, inform the building management or property manager.
- Get in touch with usWe will tell you what steps to take, help you prepare the claim and remind you of the deadlines in your policy terms.
What to prepare before reporting a claim
Before you report a claim, gather the information and documents you have. You don't need everything at once. The list can differ depending on the type of event and the insurer's requirements.
Tick off the information and documents you already have
Need support? Get in touch.
We will help you work out what needs to be reported and by when, tell you which documents to prepare and support you through the claim.
Frequently asked questions
The answers below are general. The details depend on your policy terms and the type of event, so we look at every case individually.
How long do I have to report a claim?
It depends on the type of insurance and the general terms and conditions. In some cases there is very little time. Theft or burglary must be reported to the police without delay, as the policy requires. Don't put off contacting us. We will help you work out which deadlines apply to you.
What if I disagree with the insurer's decision?
You can file a complaint and set out the reasons why the case should be reconsidered. We will help you analyse the decision, prepare your arguments and gather the documents. If there is a dispute, you can also turn to the Financial Ombudsman (Rzecznik Finansowy).
Am I entitled to a replacement car from the at-fault driver's OC insurance?
You can claim the cost of hiring a replacement car if it was justified and necessary during the repair or while your car could not be used.
Insurance we can help with
Let's talk about what you want to protect
Call, email or leave a message in the form. We will get back to you to talk about how we can help.
Call+48 504 031 330