It is important that all claims, incidents and reported losses are declared to insurers.
We appreciate that this may be confusing, particularly if you did not receive any settlement due to reasons such as; the incident not being covered, or the excesses on the policy making it uneconomical for you to proceed. However, whenever an insurer is notified of loss/damage, this becomes a 'reported loss'.
Insurers list these reports on industry-wide exchanges to help underwriters accurately assess the risk of insuring your property. Not declaring a reported loss could lead to your policy being declared void, a claim not being paid out in full, or a claim declined.
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