Making a claim on your Home Insurance

Whether you want to register a claim online or by phone, 1st Central are on hand 24/7 to help.

How to tell us something has happened to your home?

You can report a new claim by using our online claim form, and one of our dedicated claims handlers will help you through each stage of the process.

If you'd rather speak to us, give us a call on 0333 043 2034.

We recommend logging a claim as soon as you can. The sooner you tell us the details, the quicker we can get everything sorted for you.

Make a claim online

We're here to help when you need us most

Is your home safe and secure?

If your home is unsafe, impossible to live in or could cause risk to health or safety, call our 24/7 helpline on 0333 043 2034.

A helping hand

We have dedicated claims handlers to guide you through your claim and ensure you feel supported every step of the way.

Reassurance when it matters

You'll get a two-year guarantee on all building repairs.

Home Emergency Cover

We're here to help in an emergency, so if you've purchased our Home Emergency Cover, give us a call on our 24/7 helpline on
0333 043 2075.

Family Legal Protection Cover

If you have Family Legal Protection Cover and need to make a claim or need some advice, call our 24/7 helpline on 0333 043 2076.

Make a claim on your Home Insurance

Get started

What do I need to make a claim?

We know that making a claim can be stressful, that's why we want to make things as simple as possible.

Make sure you've got the following at hand when reporting your claim:

Your policy number as you'll need this to log your claim
Photos of the damage, or photos of the lost or stolen items if you have them
Any relevant receipts, invoice or quotes, which will help with your claim

How long will my claim take?

It's difficult to put a timescale on how long your claim will take, as some claims may be more straightforward than others.

We have a national network of approved specialists and suppliers, who we may appoint to inspect damage or replace goods on our behalf.

Like most home insurance providers, we don't cover loss or damage to your home or contents due to a lack of maintenance, wear and tear, or any damage that happens gradually over time.

Need to discuss an existing home claim?

If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently Asked Questions

How do I make a home insurance claim?

We want to take the stress out of making a claim on your home insurance. That's why we've made it possible for you to register your claim online via Your Account.

If you'd rather speak to us about a new claim, just give our team a call 24/7 on 0333 043 2034. Call us as soon as possible after the incident to tell us what's happened, even if you're not sure you want to make a claim.

I'd like to discuss an existing home claim

If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.

Is my property covered for flooding?

Your property is covered in the event of a flood. Please see your policy documents in Your Account for more details on the cover limits and terms.

Is my property covered for subsidence?

Your property is covered in the event of subsidence during the term of the insurance. Please see your policy documents in Your Account for more details on the cover limits and terms.

If the property has previously experienced subsidence or if you have an ongoing subsidence claim with another insurer, we are unable to provide an insurance policy for you.