Guidance Notes on how to make a claim

1. Check the Schedule to confirm that the appropriate Section of the Policy is operative.

2. Refer to the Policy Section which will confirm if the loss destruction or damage is covered - remember that certain causes are excluded and these are clearly indicated in the Policy.

3. Read carefully General Condition 4 - Claims and:

1. if theft, attempted theft, malicious damage or vandalism has occurred, or
2. credit or cash cards have been stolen or lost

advise the POLICE immediately and also the organisation that has issued the cards within 24 hours of discovery.

4. Complete and return the Claim Form (obtainable from Fortress Underwriting Agencies Ltd) so that we are advised as soon as possible and deal with your claim without delay.

Quote your Policy Number in all correspondence

5. Obtain two estimates as soon as possible for repairing the damage and retain any bills for the cost of emergency repairs as they may form part of your claim but bear in mind that the Policy is NOT a maintenance contract.

6. If someone is holding you responsible for damage to their property or for bodily injury to them you must, and this is MOST IMPORTANT:

1. advise us/your insurance adviser immediately giving full details in writing.
2. send to us any letters, documents, writ or summons or other legal documents which have been served on you or any member of your family, unanswered and without delay.
3. NOT engage in correspondence with the other person but allow us to deal with the matter on your behalf

Should you have any queries, please contact Fortress Underwriting Agencies Ltd.

Fortress Underwriting Agencies Ltd can be contacted at: