1. How do I start a claim with Globalsure?

You can begin your claim as soon as an incident happens by contacting our claims team online, by phone, or by completing a claims form. We’ll guide you step-by-step, from gathering the right documents to arranging repairs or replacements. Starting early helps us resolve your claim more quickly.

2. What information do I need to provide when making a claim?

We’ll usually need:

• Your policy number

• Details of what happened (date, time, location)

• A description of the damage or loss

• Supporting evidence (photos, receipts, police reports if theft or vandalism is involved)
  Having this information ready allows us to assess your claim more efficiently.

3. How long does the claims process take?

The time can vary depending on the type of claim. Straightforward claims (like windscreen repairs) may be resolved within days, while more complex ones (like structural home damage) may take longer due to inspections or repair work. We’ll keep you updated throughout the process so you always know where your claim stands.

4. What types of home insurance claims does Globalsure cover?

Globalsure offers cover for:

• Escape of water (burst pipes, leaks)

• Fire, storm, or flood damage

• Theft or vandalism

• Accidental damage inside the home

• Subsidence or structural damage

• Loss of keys and locks replacement
  Each of these is designed to protect your property and belongings against unexpected events.

5. What types of car insurance claims does Globalsure cover?

For vehicles, Globalsure covers:

• Accident damage (collisions, single-vehicle accidents)

• Theft or attempted theft

• Windscreen and glass repair or replacement

• Fire or flood damage

• Personal injury (to driver, passengers, or others)

• Third-party liability

• Courtesy car or mobility support (if included in your policy)

6. What is an “escape of water” claim?

This applies when water unexpectedly leaks from pipes, tanks, or appliances, causing damage to your home or belongings. For example, a burst radiator pipe flooding your living room or a leaking washing machine damaging your flooring. We’ll help cover repairs, replacements, and restoration.

7. What happens if my car is stolen?

If your car is stolen, you should immediately report it to the police and obtain a crime reference number. Then, contact us to start your claim. If the vehicle isn’t recovered, we’ll assess its current market value and arrange settlement. If it’s recovered but damaged, we’ll cover repair costs.

8. Do I need to pay an excess when making a claim?

Yes, most claims include an excess – the amount you contribute towards the claim. The amount depends on your policy and the type of claim. It will always be clearly shown in your policy documents. For example, a windscreen claim may have a different excess than a theft claim.

9. Will making a claim affect my premium?

In many cases, yes – especially if you are at fault or if the claim is significant. Your no-claims discount may be reduced. However, this depends on your policy and your history. Some policies allow you to protect your no-claims discount for an additional fee.

10. What counts as accidental damage in my home?

Accidental damage is unintentional harm to your property or belongings. Examples include spilling wine on a carpet, breaking a TV screen, smashing a window, or drilling into a water pipe. It doesn’t include wear and tear, poor maintenance, or deliberate acts.

11. What should I do if I’m involved in a car accident?

• Ensure everyone is safe and call emergency services if needed.

• Exchange details with the other driver(s).

• Take photos of the scene, vehicles, and any damage.

• Collect witness information if possible.

• Contact Globalsure to report the incident as soon as possible.
  We’ll guide you through arranging repairs, liability discussions, and providing a courtesy car if included.

12. Can I claim for temporary accommodation if my home is uninhabitable?

Yes. If your home is damaged by fire, flood, or another insured event and it’s unsafe to live in, Globalsure will arrange and cover reasonable costs for temporary accommodation while repairs are carried out.

13. Does my car insurance cover personal belongings stolen from my vehicle?

Yes, but within limits. If personal belongings (such as a handbag, laptop, or child’s car seat) are stolen from your car, they may be covered under your policy up to a set limit. We recommend not leaving valuables in plain sight to reduce the risk of theft.

14. What is third-party liability cover in car insurance?

If you cause an accident that injures another person, damages their car, or harms their property, Globalsure will cover the cost of their claim against you. This protects you from having to pay large compensation or legal bills personally.

15. What if I disagree with the outcome of my claim?

If you’re unhappy with how your claim has been handled, you can raise a complaint with our claims team. We’ll review your case carefully. If you’re still dissatisfied, you may be able to escalate the issue to the Financial Ombudsman Service for independent review.