Sooner or later, something goes wrong.
When things go wrong, you need more than a policy.
You need to know what to do, what happens next and who you can turn to for help.
At Propelr, we are here to help you make sense of the situation, navigate the claims process and work through the next steps.
Because looking after you means being there when it matters most.
Advice that moves you forward doesn’t stop when the policy starts.
How we help, step by step
STEP 1 · BEFORE ANYTHING HAPPENS
Know your policy
We explain what your policy covers, what it doesn't and what you'll need to do if you claim, so there are no surprises. You'll know who to call and what to have ready.
STEP 2 · THE MOMENT IT HAPPENS
Call us first
Let us know what's happened. We'll help you work out what to do next — from making sure people and property are safe to preserving important evidence and understanding what steps to take before contacting your insurer.
STEP 3 · MAKING THE CLAIM
We help you lodge it
We help notify the insurer, explain the process and work out what's needed, such as photos, invoices, quotes and proof of ownership, so you're not working it out alone. If you're a business, we'll also help you understand what your policy provides while you get back on your feet.
STEP 4 · WHILE IT'S ASSESSED
We talk to the insurer
We communicate with the insurer on your behalf where appropriate, answer their questions, follow the progress of your claim and keep you updated, so you always know where it's up to and what happens next.
STEP 5 · IF IT'S NOT STRAIGHTFORWARD
We advocate for you
Delays, questions about cover, disagreements about value. We'll help you understand the insurer's position, make sure your circumstances are properly understood and advocate for you where appropriate. We'll be honest about what your policy does and doesn't cover.
STEP 6 · AFTERWARDS
We review what changed
Once your claim is settled, we'll review what it means for your cover. That might include updating insured values, addressing any new risks or making changes based on what the claim has highlighted. Then we'll help you move forward with confidence.
If something has just happened
- Make sure everyone is safe. Your safety comes first.
- Prevent further damage. If it is safe to do so, take steps to limit further damage, such as turning off the water supply.
- Let us know as soon as possible. We'll help you understand what to do next and take you through the claims process.
- Take photos and keep records. Document the damage and keep any relevant receipts or paperwork.
- Keep damaged items. Don't throw anything away until you've spoken with us or your insurer.
General information only, not advice about your policy.
Don't wait and wonder what to do next. We're here to help.
Call us on 0800 776 888. We'll help you understand your next steps.
Call PropelrWhat it can look like
AN EXAMPLE
An excavator goes missing overnight
If an excavator goes missing overnight, we'd help you gather proof of ownership, purchase records, serial numbers and photos, notify the insurer promptly and keep you updated as the claim progresses.
AN EXAMPLE
A storm damages your roof
We'd help you understand what to do to protect the property, document the damage, notify the insurer and talk you through the claims process and what your policy may cover.
AN EXAMPLE
A truck is in a crash with a load on board
We'd help you understand which policies may be involved, including goods in transit, carrier's liability and vehicle cover, and liaise with the insurers to help coordinate the claims process.
AN EXAMPLE
A cyber attack locks your systems
We'd help you notify the insurer promptly, understand what your cyber policy may cover, identify the right people to contact and guide you through the claims process.
Helping you through your claim
Making a claim can feel overwhelming, but you don't have to navigate it alone. We're here to support you, explain the process, help you understand your cover, liaise with the insurer and keep you informed along the way. We'll be there to answer your questions and help you understand what happens next.