Claim Process

Have you suffered a loss and need to make an insurance claim? Whether personal or business related, the claims process is when a broker really proves their worth. The broker provides an integral service to ensure a smooth and successful outcome is achieved following an insured loss. Throughout the claims process, your broker can handle everything for you. In the unfortunate event you need to make a claim, you'll realize the true value of working with an experienced broker.

The broker is a trusted advisor ready to communicate with the client. When something goes wrong, the broker is the client's point of contact. Having a personal relationship with clients' means that you can feel comfortable calling your broker and knowing they will fix your problem. Buying your insurance online or from a large, unknown entity means you don't have that reliable point of contact. With a broker, you always know who to call, and it's easy to speak to your broker to explain what caused the loss. The broker is an experienced professional who understands the ins and outs of the claims process.

The broker truly takes care of everything for the client. Assisting with completing forms and collating the necessary documents and information required to support your claim, the broker takes the complexity out of an otherwise overwhelming process, guiding the client in the right direction. The broker reads the fine print and the full policy coverage. The broker lodges the claim with the insurer on the client's behalf, handling all communication so that the client can focus on running their business or sorting other matters. Your broker is the expert and will ensure his clients get what they deserve at claim time.

The broker has a strong relationship with the insurer, allowing them to achieve claim solutions effectively and thoroughly.

Because a broker works daily with insurance companies, he has developed strong working relationships with these companies. This enables him to deal better with them and come to the resolution you deserve. Your broker ensures the claim is presented to the insurer in a clear and legible way to assist in a speedy settlement. To do this, the broker makes sure that the insurer has everything they need to say YES to the claim and in a timely manner.

When things aren't as straightforward with a claim, the broker can negotiate with the insurer on behalf of the client to get the maximum benefits they are entitled to under their policy. Because the broker knows the client's policy so well, they can handle these disputes or issues expertly. In the majority of cases the broker's knowledge and expertise is far superior to that of the claims staff who work in claims departments. The broker's relationships with the major insurers also provides greater strength and leverage when managing tricky claims that may otherwise be declined.

Claims

The At Metropolitan INSURANCE BROKERS, we believe that an insurance policy's most tangible benefit is the service received when a claim or potential claim is notified. This is the fulfilment of the Insurers' promise to the Insured – to pay valid claims.

At Metropolitan, this means:

• A claims team with many years' experience in dealing with claims against the whole spectrum of risks that we insure. We fully understand the reputational and financial implications of a claim on a business, and we ensure this process is proactively managed from first notification onwards.
• A responsive, efficient and personal service.
• Being pro-active, problem-solving and solutions-focused.
• Adopting a collaborative approach that recognises and values the importance of all parties working together.
• Active and clear communication being key from first notification right through to final resolution.

How does our hands-on claims commitment work in practice?



Policy Coverage Disputes

We carefully evaluate any policy coverage dispute that may arise between Insurers and an Insured, providing our considered views on the merits of Insurers' stance. We pride ourselves on solving problems where coverage disputes arise. Yet, where we cannot find a solution, we have an arrangement with a specialist firm of policy coverage solicitors to help our Insureds in a cost-effective way on those disputes that cannot be resolved without legal input.