Following the rioting across the UK we’d just like to reassure you that we are ready to manage any claims arising and we’re working closely with various loss adjusters and insurers to support our customers.
If you need any further assistance or clarification please speak to your usual points of contact within the company, or Jo Lapworth in our claims department.
If you think you’ll have a potential loss we would like to remind you of what’s needed. With this type of claim there are specific time lines to meet for insurers to be reimbursed by the local police authority.
The local police authority has a legal responsibility to reimburse anyone sustaining damage to property as the result of a riot under the Riot Damages Act 1886. Any claim under the Act must ‘’be made in writing and received by the local police authority within 14 days of the alleged incident”.
Insurers typically include within their Claims Notification Clause to the policy a requirement for any claim for riot and/or civil commotion to be notified to Insurers / brokers immediately with full supporting documentation. This needs to be received within seven days of the incident occurring specifically to prevent a recovery action being turned down by the police authority on basis that the action is time barred. Insurers are entitled to recover their outlays under the principle of subrogation.
if you are claiming you need to be aware that you must notify your Insurers immediately of any damage but equally important is that you must be able to quantify and substantiate your losses with potentially both a schedule of loss and statement of truth within a week of the incident occurring.
The Act excludes liability for loss or damage to cars left on public highways, goods left in shops for repair and/or consequential losses. Also all claims will be assessed in accordance with common law, which may not correlate directly to the basis of settlement provided for by the insurance contract.
If you have any questions or concerns, please contact your account handler, or Jo Lapworth in our claims department.