Hey
I was just wondering what happens if you need to claim on contents insurance . Do they send the money or do they buy which ever items need replacing ?
I’m asking because I used to have a financial advocate and concerned the insurers may still have their bank details on the system as opposed to mine ?
My insurers are closed at the moment so can’t ask them
I’ve got all the paperwork here regarding my claim but it doesn’t specify what I’m looking for
But presumably they’re contactable on Monday?
I hope so.
I just get anxious waiting and wanted to see what the case is for you guys
Don’t need to make a claim and hopefully wont need to either . Jus wanted to know what the process is. I’ll call up Monday then 
@N26throwaway It provides no info on what happens in the event of a claim
Ok guys thanks I’ll call Monday and find out
I can remember now When I renewed it last year they didn’t ask for any details just a card number for the premium so I’m guessing they don’t store any bank details
MSE go check it out
Thanks for the info 
Yeah the issue was I thought they’d still have my advocates bank details on system . After doing some research I found they probably don’t store any details as you said. I’ll double check tomorrow with them
As an aside on insurance, and maybe not the best thread to bring it up in… But if you don’t already it’s worth keeping specific notes / photos / lists of the items that are valuable and may need replacing under the policy.
It’s the difference between, say, “Kettle”, and getting a £5 replacement Basics one, vs “[Brand] Adjustable temperature wireless kettle, with keep warm feature, in Onyx Black”.
Like most insurance, it’s a risk based on many things but the details aren’t worth the cost of capturing them. So they set the premiums accordingly. Remember - most folk don’t claim.
Some insurers will ask for details of items above a certain value, of course.
Ok called them up and the only details they have on their system is my debit card I used to pay the premium with
In the case of a claim I call them up and they take it from there
The company I have my insurance with are a “broker” for aviva. Does this mean they act on behalf of aviva just like an estate agents represent the landlord ?