Letter to Insurance Company Placing a Claim

By: Jeff Durham - Updated: 2 Oct 2020 | *Discuss

 

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Insurance claims can differ tremendously depending on their nature and what you are claiming for. Some claims may only be for smaller sums of money for example, a lost item of luggage from your holiday trip overseas. Quite often you’ll buy yourself replacement luggage and then claim for damages later.

However, in more serious instances, such as your entire house being flooded due to faulty water pipe maintenance, the damage can run into hundreds and sometimes thousands of pounds and it’s important that you can claim on your insurance and be paid out as soon as possible in order that you can get the repairs carried out.

Therefore, sooner rather than later is always the best policy when it comes to writing a letter to claim off your insurance. However, it is not simply sufficient to write a letter on its own and your claim might be delayed if you don’t also supply the relevant back-up information.

This might include full details of the events leading up the claim, photographic evidence, police crime reports, estimates, quotations, medical reports or expenses or billheads containing repair costs etc. Therefore, as soon as you have gathered together all the supporting documents and any other evidence to support your claim, then you should write your letter. You should also bear in mind that some insurance companies require you to submit your claim within a specific timescale or your claim might become void.

How to Write the Letter

Remember to include any details that the insurance company have asked you to supply so include your name, address, policy number etc. If you forget to include the information they have specified or have forgotten one tick in a box on a claim form, it’s likely that the entire contents of your letter will be returned to you and you will be asked to make corrections and, therefore, your claim will be delayed.

You need to stipulate what exactly you are claiming for, how much you are claiming for (or how you want the company to rectify matters) and a reasonable timescale for the company to respond and to settle the claim to your satisfaction. Thanking the recipient in anticipation of their assistance is also a pleasant way of ending the letter and also demonstrates that you’re seeking and expecting a satisfactory response.

Here is an example of a letter claiming for medical costs covered by a travel insurance policy.

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