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Every claim is different. But there's one thing they all have in common: claims notification for the insurer. The main thing is that everything is as easy as possible for you. Which is why we at AXA are here for you.
Water damage, damage to household contents, personal liability claim, storm damage, theft, car breakdown, or car accident – just the thought of having to make a claim is a worry in itself. Thankfully, most claims involve damage to property or car bodywork. As long as nobody suffers an injury, then things are not that bad.
No matter how careful you are, sometimes things go wrong. A mishap can occur very quickly. If you sustain an injury or loss, or are involved in a claim through no fault of your own, please note the following three tips. In most cases, 99% of the work is then taken care of for you.
Watch out – thieves about! Take photos of your favorite pieces on a regular basis – just in case.
It’s important to know the original purchase price and date of purchase, especially for more valuable items. So keeping the original receipt or invoice for large or expensive purchases in particular is a good idea. You will need these to notify your insurer of a claim. If need be, you can ask the relevant seller for confirmation.
This way, you’ll always be on the safe side and won’t have to provide so many explanations. Maybe you have a photo that shows the item before it was damaged and the claim arose? Depending on the actual claim involved, this could be an advantage.
Our recommendation: Take photos of your possessions on a regular basis; special items, jewelry, watches, expensive bikes, and your car. That way, if, for example, a watch or your bicycle is stolen, photos are particularly helpful – for the police too.
If you’re involved in a traffic accident, the sequence of events that gave rise to the accident must always be documented. To do this, use the ”European Accident Statement” form. If the person who caused the accident disputes that it was their fault, call the police. Particularly if you're abroad.
You’re normally quicker if you report the claim online. Ideally via the customer portal. You can also upload and send all the necessary documentation and photos quickly and conveniently.
If you have an emergency and need help as soon as possible, for example if your car has broken down, calling us means we can arrange help straight away. Using the online claims notification form would take too long.
These days, insurance companies do much more than simply handle claims; they also help you with repairs. If damage has to be repaired quickly, let your insurance company take care of the entire claims handling process. If you’re an AXA customer, we’ll organize and coordinate all the repairs with our partner companies upon request, and of course with a lifelong guarantee for the work carried out.
A range of services is available to you depending on the claim involved. Examples in household contents insurance and car insurance:
Not sure whether you’re entitled to use a corresponding service, and which one specifically? Just ask before you arrange anything yourself.
If you want to arrange the repairs yourself, simply submit the relevant invoice to us.
Our recommendation: Always get a quote for major or extensive repairs, such as renovations after fire damage. Have it checked by your insurer before you give the definitive go-ahead – for your own protection.
Géraldine Mathys is a theme manager at AXA and researches interesting content about mobility and start-ups for you. She also passes on regular tips and tricks to you.
