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Personal injury claims

What you need to know

Any organisation with staff or volunteers runs the risk of having a claim for personal injury brought against it. At Ecclesiastical, we can help you make sure your church is prepared for any claims, and that you know exactly what to do should it happen to you.

Please do not wait for a claim to be made. If you are aware of an incident which has resulted in a personal injury occurring for which you may be responsible please tell us about it as soon as possible. You can download an easy to follow checklist to help.

What happens when someone makes a claim?

For any claim concerning an accident that happened after 31st July 2013, the procedure is now slightly different. In a nutshell, the solicitor acting on behalf of the injured person (the ‘Claimant’) now has to try to find out the details of the insurer of the responsible party (the ‘Defendant’). So if someone is making a claim against your church, for example, their solicitor will have to take steps to ascertain that we are your insurers.

If a church employee makes a claim

The solicitor will try to trace your insurers by contacting the Employers Liability Tracing Office (ELTO). If they can’t find a record of your insurer that way then they will either:

  • Write to you asking for our details

  • Send you a Claim Notification Form that they will have to submit with the claim.

As soon as someone makes a claim, it needs to be acknowledged within 24 hours. So please pass any claim onto us immediately.

We then have 30 working days to look into what happened and find out whether you were responsible and communicate the decision. If the injury was your fault then we will admit liability and start taking steps to settle the claim. We will also need some details of the claimant’s wages from you:

  • How much they were earning for the 13 weeks before the accident, and how much they earned after the accident, including any time they were absent from work

  • We will need this information within 20 days of admitting liability/accepting responsibility.

If the injury wasn’t your fault, then we will deny liability. The solicitors may accept our argument, or they might want to take the matter to Court.

If someone who isn’t an employee makes a claim

The solicitors will either:

  • Write to you asking for our details

  • Send you a Claim Notification Form that they will have to submit with the claim

As soon as someone makes a claim, it needs to be acknowledged within 24 hours. So please pass any claim onto us immediately.

We then have 40 working days to look into what happened and find out whether you were responsible.

If the injury was your fault then we will admit liability and start taking steps to settle the claim. If the injury wasn’t your fault, then we will deny liability. The solicitors may accept our argument, or they might want to take the matter to Court.

If someone makes a claim but doesn’t use a solicitor

If the claimant isn’t using a solicitor, please let us know the details of their claim. Please also make sure to pass on any letters from them as soon as you receive them.

You can download a copy of this information with a simple flow chart to help you. If you need any help or advice, please contact our claims team on 0345 603 8381.

Contact us

To discuss an existing claim or to make a new one, please call:

0345 603 8381

or email churchclaims@ecclesiastical.com

Claims customer satisfaction*


99%

*Based on responses to Ecclesiastical’s claims satisfaction Survey 2015

Ecclesiastical Insurance Group plc (EIG) Reg No 1718196. Ecclesiastical Insurance Office plc (EIO) Reg No 24869. Ecclesiastical Life Ltd (ELL) Reg No 243111. Ecclesiastical Financial Advisory Services Ltd (EFAS) Reg No 2046087. Ecclesiastical Underwriting Management Ltd (EUML) Reg No 2368571. E.I.O. Trustees Ltd Reg No 941199. EdenTree Investment Management Ltd (EIM) Reg No 2519319. All companies are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ. EIO and ELL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848 (EIO) and 110318 (ELL). EFAS and EIM are authorised and regulated by the Financial Conduct Authority. Firm Reference Number 126123 (EFAS) and 527473 (EIM). EUML is an appointed representative of EIO who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 402228.