Accidents happen, but don't worry we're here to help 😊
Liability insurance is here for you if you've accidentally caused damage to somebody else or their property.
We recommend whenever possible not to pay the injured party before your claim has been reviewed. This is to protect you from paying for a claim you may not be liable for, or paying more than you need to.
In some cases, it won't be possible to avoid paying in advance, for example, if your landlord deducts the money from your deposit. Don't worry though, just let us know in the claim description if that's the case.
Step 1. Log in to your Feather account
Head to www.feather-insurance.com and go to "Log In" in the upper right-hand corner—or just click the button below!
Step 2. Access your claims tab
Click into the claims section and then select 'New claim' and there you can submit your liability claim.
Step 3. Enter the date of the event
This is the date when the actual damage to the property happened.*
Step 4. Select the right claim type
Property damage covers all incidents of damage to someone else's stuff and physical injury is any accidental bodily harm.
If your landlord needs to change the locks of your building or apartment for security reasons select this option.
Step 5. Describe what happened
Let us know as much information as possible about how the damage happened, who caused it and why you think you're responsible. The more information the better. If your claim is not clear, we'll need to reach out to you for further information which can delay the processing time.
Step 6. Upload your photos and documents
Upload high-quality photos of the damaged item(s), scans or photos of any documentation you have regarding the claim. This can include cost estimates given to you by the injured party, screenshots of conversations, as well as any receipts or bills you've been given related to the claim.
Step 7. Give us the contact information of the injured party
The injured party is the person whose property has been damaged (including landlords and/or Hausverwaltungs), we'll contact them directly to arrange any repairs and/or reimbursements so you're not left out of pocket.
We'll need their name, email address and postal address.
Step 8. You've successfully submitted your claim!
We'll get in touch once we've received your claim and keep you updated throughout the processing.
How long a claim takes to process can depend on how quickly the third party gets back in touch with us and if we have all the required information. A claim can take anywhere from 2 - 8 weeks, it can occasionally be longer, but we'll always keep you updated.
That's it! Pretty easy, huh?
* Please note that property damage that happened prior to the start of your policy is not covered.
Intentionally falsifying or withholding relevant information with the intention to deceive is insurance fraud and may result in the cancellation of your policy.