Reporting your claim

When you report your claim online, it will usually be handled at once. If you have filed the claim in the evening or during the weekend, we will start handling your claim on the following working day. Claims made by phone will also be processed immediately. In most cases, you will receive our claim decision immediately.

More complex claims that require further information or documents, will be handled as soon as possible.  For example, building damages, which require investigating the reason for the damage, typically require a longer handling time than usual.

Our experts will check the need for documentation on a case-by-case basis and we will contact you if we need them. 

You should keep the documents and receipts at least until you have received a claim decision or the compensation payment.

Each case is unique. Once we have been informed of the claim and related circumstances, we can see if it is compensable. 

A deductible is the part of the claim you will have to pay yourself. The deductible is often deducted from the compensation paid to you. 

Compensation must be applied for within one year from the date on which you became aware of the insurance event (and there is a valid insurance you can claim compensation from.) 

In order to get compensation, the following must apply: 

• Your insurance was valid at the time of insurance event.
• The injured person or damaged vehicle or property is covered by the insurance.
• The loss is eligible for compensation under the insurance terms and conditions.

• The information on the claim report is correct. Incorrect information may cause the compensation to be refused.

You should always file a report with the police if in the case of a crime, malicious damage or bodily injury incurred in traffic.