Hoci Cymru Claims

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An incident that could necessitate an insurance claim is termed as an event giving rise to a claim*

An incident that could necessitate an insurance claim is termed as an event giving rise to a claim*

If an event giving rise to a claim takes place, it's essential to notify us as soon as practically possible, as there are specific claim conditions in every insurance policy that must be fulfilled. The timeliness of the notification is crucial.

Once you become aware of an event giving rise to a claim, inform us immediately, and Howden will guide you on the subsequent steps. Please note: In the event of a claim, you must, as soon as reasonably practical, take all reasonable steps to prevent further bodily injury or property damage from arising out of the same or similar condition.

Howden UK Brokers Limited
Office G13
Regus House
Cardiff Gate Business Park
Cardiff
CF23 8RU

Tel: 02920 031 980

Full details are included within your policy documents.

*Claim means:

Any actual claim made against the insured; the receipt of written notice from any person of an intention to make a claim against the Insured; irrespective of whether the amount of the claim is likely to be within or above the amount of the excess, if applicable, specified in the schedule.

Reporting a claim made against you


If you have received a formal letter of claim from a solicitor please immediately forward the correspondence to [email protected].

If you have received it as a physical document, please scan or photograph all pages and send them immediately to [email protected].

Claims terms and conditions

You must comply with the following conditions. If You fail to do so, the insurer may not pay your claim, or any payment could be reduced. It is your responsibility to prove any loss and therefore, we may ask you to provide any relevant information, documents and assistance we may require to help with your claim. You must:

1. Give notice in writing to Insurers directly or via Howden as soon as reasonably practicable of the discovery of any occurrence, or circumstance which may give rise to a claim under this Policy.

2. Notify insurers directly or via Howden as soon as possible giving full details of what has happened.

3. Comply with any reasonable request made by Insurers for information in relation to any claim made under this policy.

4. Forward to Howden as soon as possible, directly, by emailing [email protected] notification of the claim must happen no later than fourteen (14) days, if a claim for liability is made against you, any letter, claim, summons or other legal document and any related correspondence you receive unanswered.

5. Inform insurers as soon as reasonably practicable of the notice of any impending prosecution or inquest which may give rise to a claim under this policy and comply with any reasonable request made by insurers.

6. Not admit liability or offer or promise or agree to settle any claim without the insurer’s written permission.

7. Take all reasonable care to limit any loss, damage or injury.

In the event of claim or allegation regarding abuse or a matter which may trigger your safeguarding policy please see the guidance provided here by Hoci Cymru.

Abuse and professional indemnity claims must be notified within the same period of insurance you become aware of the incident.  Such circumstances cannot be accepted as a claim under this insurance unless declared within the current policy period.

Claims Notification 

The company will have no liability in respect of any matter which the Insured does not notify to the company in accordance with the requirements of this condition.

As a condition precedent to the Insured's right to be indemnified under this policy the Insured must provide notification to the company no later than 90 days of the occurring of any accident incident event or circumstance which may give rise to a loss which is covered under this policy except as provided herein.

Evidence Required 

In connection with any claim: 

A: all medical certificates, reports, information and evidence required by the company to substantiate that claim must be supplied at the insured person’s own expense and in such form as the company may reasonably require; 

B: the insured person must undergo a medical examination and provide medical evidence to the company (at the company’s expense) as often as the company may reasonably require following receipt of that claim; and 

C: no benefit shall be payable in respect of that claim where the insured person fails to undergo such medical examination or provide such medical evidence as referred to in B above.

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