At MIAB, we understand that making a claim can be stressful and daunting, which is why we're here to support you every step of the way.
The true test of an insurance policy is the response to a claim, so should the worst happen, we want to deal with the issue sensitively and make it as quick and easy as possible.
Our dedicated Claims Handling team have compiled this page to help manage your claim, answer any questions you may have and help you along the process.
The first step to preparing yourself for the unfortunate possibility of making a claim, is to make sure you keep good records of the insured. This means keeping receipts as proof of purchase, keeping your policy documents safe, and taking photographs of valuable objects to show their condition in the event of damage occurring. Having these means you will have everything ready should you need to make a claim.
Breakdown of the claims process
Report it: if something has been maliciously damaged/vandalised or stolen, it is important you report it as soon as possible to the police. Most policies have a time limit, so report it as soon as you can.
Check your policy wording: make sure you’re covered for whatever has happened, and then check if there is a procedure you need to follow. You can view our advice sheets here. Sometimes, the insurance company will make all of the arrangements for you.
Gather all of the necessary documentation: having everything to hand will make the process smoother. You will need
- Your MIAB reference number
- Your policy document
- Receipts for stolen or damaged items
- Photographs of any damage etc.
- Reference numbers, e.g. if you filed a police report
Be clear on what happened: It may help to write it down so you don’t miss any details or provide inaccurate information. Make sure you know:
- Times and dates
- Exactly what happened
- What you’re claiming for – how much money
- Details of everyone involved, e.g. the plumber that fixed your leak
Making sense of claims
We have compiled a list of useful advice sheets for you to refer to, including what to do to avoid a claiming in the first place, or, if need be, a checklist of documents to have to hand during the claims process.
- What to do in the event of storm damage
- Average cost of claims for MIAB's Absence Insurance
- Average cost of claims for MIAB's Practice Insurance
Out of hours emergency
In the event of a practice property claim outside normal business hours, please contact the relevant insurer’s helpline below.