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Will it affect my policy if I claim?

In most cases, it shouldn't make an immediate difference to your policy.

However, at the time of renewing the policy the terms of cover may alter (for example: the standard excesses may increase) and/or increase the premium. This premium increase may be due to the value or number of claims that have been made in the previous policy year. You should also be aware that having a high claims history can make getting insurance in the future difficult.

It's also worth knowing that if you make a claim then you will lose the No Claims Discount that you may have been benefitting from in previous years. 

If you have a break-in, we'll offer suggestions on home security and may ask you to carry out security improvements, such as burglar alarms and window locks, before your next renewal.

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