Making a third-party claim

If you ever need to make a claim against an Ecclesiastical customer, we aim to keep the process clear and simple.

This guide covers our process, the definition of legal liability, and what you can expect to happen when a claim is made. 

If we offer to settle your claim, the duty falls to you as the claimant to prove the value of the loss. As such, you should:

• Retain the damaged items in case we need to examine them
• Provide original purchase receipts where possible
• Provide photographs of the damaged item(s)
• Provide two estimates for the repair or replacement of the damaged items.

Once you have provided the supporting information, we may still appoint a loss adjuster to investigate your claim further. This will depend on what happened and the severity of the damage.

Where our customer is legally liable, we will make payment directly to you. It is not our usual practice to make payments to those parties that complete work on your behalf or replace damaged items. The contract is between you and them.

Making a liability claim is a complex process, and we are obliged to investigate all claims made against our customers fully. The process can take time, but starting by making a claim with your own insurer often leads to a quicker resolution. If your own insurer is of the view that our customer is legally liable, they will make a claim against our customer on your behalf once they have settled your claim.

Our claims handlers will assess your claim based on the information provided by both our customer and you. They will make a liability decision based upon the facts of the incident and any associated legislation.

We are committed to handling your claim with professionalism and courtesy, and we kindly ask that all parties involved maintain the same respectful approach throughout the process. You should report all incidents to your own insurer, where applicable. If you don’t and we find our customer is not legally liable, delays in notification may affect your ability to claim against your own insurer at a later time.