Find details below on how to complete a claim, what documents you will need, and what to expect during your application.
You must notify the claims team (MPL) of any incident as soon as reasonably possible and no later than 30 days after becoming aware of the incident.
Contact MPL Claims Management Ltd:
• 0345 060 0030
• Or via the online claims portal
If you require any assistance after submitting a claim, you can contact Dudley Council on 01384 815051 and we will obtain updates on your behalf.
Important Information
- At the first opportunity report any theft, attempted theft, malicious damage, vandalism or loss of property to the police and obtain a crime reference number.
- Take all practical steps to get back any property which has been lost.
- Provide MPL with full details of the circumstances surrounding your claim and the items for which you are claiming.
- Provide MPL with proof of ownership for any items included in your claim.
- Immediately send MPL details of any written claim made against you and notify MPL of any verbal claims made against you.
- You must send MPL any claim form, writ, summons, or other court documents as soon as you receive them and, in any event, no later than 14 days after receipt.
- Take reasonable steps to protect your home from further loss or damage.
Don't Dispose of Anything
Ensure that no damaged item is disposed of without being seen by the Loss Adjuster who is appointed to act independently of the policyholder and Insurers in settling claims. Freezer contents can be disposed of, but claimants must either take a photograph of the food or keep the boxes or receipts.
Assist the Insurer
The Insurers can defend or settle any legal action in your name, or in the name of any other person insured by this policy. The Insurers can recover any payment they make under the policy to anyone else at their own expense and for their own benefit and the Insurers can do it in your name or in the name of any other person insured by this policy. The Insurers can ask you and any other person insured by this policy for all the information and help the insurers need.
Claims History
Under the terms of this policy, you must tell us about any insurance-related incidents, whether or not they result in a claim. This includes events such as fire, water damage, theft, vandalism, or accidental damage.
When you notify us of an incident, details may be recorded on relevant insurance databases.
We may search these databases:
- When you apply for insurance;
- When an incident or claim is reported; and
- When your policy is renewed.
This helps us verify the claims history of anyone covered by the policy, as well as any property that may be insured under the policy.
If anyone else has an interest in the insurance provided by this policy, you should make them aware of this information.
Terms and Conditions
Terms and conditions apply.
Acceptance restrictions may apply for conviction and claims experience.
Dudley Metropolitan Borough Council working in partnership with Thistle Tenant Risks which is a trading style of Thistle Insurance Services Limited. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority Firm Reference Number 310419. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.
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