Essential Documentation
The strength of your claim depends almost entirely on the quality of your documentation. For every type of claim, you will need:
Universal documents:
- Your policy number and details
- Date, time, and location of the incident
- Photographs of damage (take many, from multiple angles)
- Written description of what happened
- Names and contact details of any witnesses
For motor claims: Police report, other driver’s insurance details, dashcam footage if available, repair estimates from at least two garages.
For property claims: Photos of the property before damage (home inventory), repair quotes, receipts for damaged items, proof of ownership for valuable items.
For health claims: Medical reports, hospital invoices, prescription receipts, referral letters, pre-authorisation numbers.
For travel claims: Booking confirmations, airline delay/cancellation notices, police reports (for theft), medical reports, all expense receipts.
Common Documentation Mistakes
- Taking too few photos — More is always better. Photograph everything from multiple angles, including wide shots for context.
- Throwing away damaged items — Keep everything until the insurer confirms they do not need to inspect it.
- Not getting a police report — For theft, vandalism, or accidents, always file a police report even if it feels unnecessary.
- Missing deadlines — Submit your claim form and documents within the policy deadline. Set calendar reminders.
- Providing estimates instead of receipts — Original receipts are always stronger evidence than estimated values.