Everything you need to know about liability insurance claims

When you submit a liability insurance claim, we'll review the details and keep you updated throughout the process. Claims typically take 2 to 8 weeks, depending on third-party responsiveness. It's best to avoid paying the other party directly before your claim is assessed, though urgent payments can be noted in your submission. Providing accurate information throughout is important — intentional misrepresentation can result in your policy being canceled.

It is recommended not to make any payments to the injured party before your claim has been reviewed to avoid paying for claims you may not be liable for or paying more than necessary. However, if urgent payments are required, such as replacing lost keys to access your home, include this information in your claim description.

The incident date must be the day the actual damage occurred, not the date you received related bills or invoices. Damage occurring before your policy start date is not covered.

Claim processing times vary depending on how quickly the third party responds and the completeness of your submitted information. Typically, claims take between 2 and 8 weeks, but some cases may take longer depending on the responsiveness of the third party. We provide updates throughout the process.

Once your claim is submitted, we will review it and contact you if we need additional information. We will also reach out to the injured party to coordinate any necessary repairs or payments. You will be kept informed about the progress until the claim concludes.

Intentionally providing false or incomplete information to deceive during the claim process constitutes insurance fraud. This may result in cancellation of your insurance policy.

To cancel a submitted claim, you can contact our support team. Our team handles cancellations directly, as we may already be in communication with the third party involved.