Commercial Insurance Claims
It has to be Higos for a speedy, reliable response to your claim. While many brokers are reducing or removing their claims teams completely we’ve built a friendly, expert in-house commercial claims team that will fully represent your interests. We’re on your side to help you through what can be a tricky and time-consuming process, reducing hassle, and using our expertise to get your claim settled as quickly and efficiently as possible.
We’re here to help you keep your business on track, our in house Claims Team is available from 9am - 5pm weekdays. For any out of hours problems please refer to your policy booklet.
We’ll liaise with your insurer, help you recover your losses and get your business up and running again with the minimum of disruption.
To make a claim please call
For emergency claims assistance, please refer to your policy booklet.
Out of our office hours for commercial claims please refer to your policy wording where an emergency line will be available
Motor / Fleet
If you’ve been involved in an incident you consider to be your driver's fault, please make sure that the circumstances are not discussed with the third party or their representatives and liability is not accepted. All correspondence should be passed to us immediately to be answered by your Insurers.
With the rise in fraudulent claims, dash cam footage is increasingly being used to provide supporting evidence for disputed claims. But simply taking photographs at the scene on your mobile phone (when safe to do so) can also help to prove cases – especially where third parties try to inflate claims by exaggerating the damage caused in a collision.
If the claim is for injury, the incident should be noted in your accident book. It is usual that a Loss Adjuster will be appointed by your Insurers to investigate injury claims and documents such as the accident book, and training records (for employees) will need to be made available. Please bear in mind that if an injury last longer than three days, is a disease or could be classed as a 'dangerous occurrence', you may need to report this incident to RIDDOR.