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Quick answer: report the claim as soon as possible within your policy’s deadline, gather invoices, vet reports and photos and, if third parties are involved, their details and those of any witnesses. Keep a copy of everything you send and ask for a claim reference number.
Steps
- Read what the policy says about deadlines and how to report.
- Call or write to the insurer and ask for a claim number.
- Gather the paperwork.
- Send it through the stated channel and keep proof.
- Follow up in writing.
Usual documents
- Policy and policyholder details.
- Itemised invoices and proof of payment.
- Vet report with diagnosis.
- Photos of damage and injuries.
- For liability claims: details of the injured party and witnesses, plus the police report if local police were involved.
If you disagree
You can file a complaint with the insurer’s customer service and, if it isn’t resolved, use the channels set out in insurance regulations.
General information, not advice.