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The things you need at nine at night.

Six letters and a document list, free to use whether or not you ever speak to us. Type your answers into any of them and the letter fills itself in, ready to send.

Templates/Letters and checklists

The letters

free, no sign-up

Intimation of loss

The first notice to the insurer. Send it the day the loss happens, even if you know almost nothing yet.

When: Same day as the loss

Notice to the transporter or carrier

The written claim on a transporter, shipping line or airline for goods damaged, short or lost in transit.

When: Within the time your policy and the contract of carriage require

Reply to a repudiation

A reasoned answer to a refusal, dealing with the ground the insurer actually relied on.

When: As soon as possible, and inside the time limit for challenging

Accepting a payment without closing the claim

How to bank a part-payment while the amount is still in dispute.

When: Before you sign any discharge voucher

Asking for the survey report

You are entitled to know what the assessment says. Ask for it in writing, early.

When: After the survey, and again before you accept any offer

Escalating to the grievance cell

When the claim has stopped moving and the correspondence has stopped being answered.

When: After the insurer's published response time has passed

Filled in, not retypedEvery one of these has a form under it. Put the insurer, the policy number and the date of loss in once and the letter comes back complete, with a copy to download. What you type is used to build the page and then thrown away.

What every claim file needs

whatever the loss was
  • The policy schedule and the full wording, not just the certificate.
  • The intimation you sent, with its date and the address it went to.
  • Photographs and video of the loss, taken before anything was moved.
  • The surveyor's appointment letter and every document they asked for.
  • Invoices, stock statements and the asset register proving the value at risk.
  • The complete email trail with the insurer, in date order.
  • A one-page timeline: loss, intimation, survey, documents sent, offer.
The timelineMore claims turn on the sequence of dates than on any single document. Write it down on the first day and keep adding to it.

Not sure which of these you need? Report a loss or call 92514 56334.

Three deadlines
  • Tell the insurer now, not after the assessment.
  • Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
  • Every document within the time the insurer asks for it.