Injury report
Suffered damage? Report it here immediately. We will handle contact with the insurer and guide you from the report to the payout. Emergency outside office hours: 06 - 55 20 40 72.
What do you do first?
First ensure safety and limit the damage where possible (for example, turning off the main valve or locking down the building). Those so-called salvage costs are usually reimbursed. Then make photos before you clean up — that is often the most important evidence later on.
Is there an opposing party? Fill in the European accident report form in. In the event of burglary, theft, or vandalism, first do report to the police.
Do I have to admit guilt to the opposing party?
Can I start tidying up or repairing already?
When do you report damage?
The rule of thumb: as quickly as possibleMany insurers apply a reporting period of a few working days; some policies specify a longer period. [Bram: exact term varies per policy — leave this generic or specify per company.] Bee theft An extra short term often applies, plus a reporting obligation.
Pay attention to the statute of limitationsIn principle, a claim arising from an insurance policy lapses after three years from the date you became aware of its enforceability.
Is it worth reporting minor damage?
What if I report late?
What do you need?
Keep at hand: your policy number, the date, time and place of the incident, a brief description of what happened, photos of the damage and (if applicable) the European accident report form, declaration certificate, witness details and purchase receipts of damaged items.
A complete file significantly speeds up the processing. See also our page. damage documents.
Which file formats can I submit?
I no longer have the receipt, what now?
By type of damage
Bee car damage is the European Accident Report form leading; see also the Car damage claim process. Bee housing damage (fire, water, storm, burglary) additional steps apply; see damage claims at home.
Bee liability (you damage someone else's property) you report the liability claim without admitting fault yourself. At legal assistance Report the conflict before you incur costs yourself.
Someone is holding me liable — what do I do?
Water damage: is it always covered?
What happens after your report?
We register your report and forward it to the insurer. The checks the data, requests additional information if necessary and engages a in the event of major damage claims expert in. This is followed by a reasoned decision and — upon agreement — payment or reinstatement, less the deductible.
You will receive a claim number; save that for all further communication. Following your file? See Manage damage.
How long does the processing take?
Is the deductible offset?
Common mistakes
The most common mistakes: to report too late, Tidying up before photographing, admit guilt, have permanently repaired without agreement, and a incomplete claim formEach of these may result in a delay or a lower payment.
What if I forgot to mention something?
Emergency & outside office hours
Bee acute damage — fire, water damage, burglary or an accident — please call us directly. Outside office hours, the emergency line is 24/7 reachable at 06 - 55 20 40 72In case of injury or danger, call 112 first.