Insurance claims.
We understand that making a claim can be stressful. Our aim is to make the process as smooth as possible and help you get back to business quickly.
Getting started
How to make a claim.
Before making a claim, it helps to have a few things ready.
1
Check your policy schedule and documents to confirm your cover
2
Gather any relevant information about the incident
3
Take photos of any damage, if applicable
4
Make a note of important details — dates, times, what happened
5
If there has been a theft or malicious damage, report it to the police immediately and get a crime reference number
The process
How to report a claim.
Step 1 — Contact us
Call us on 0333 091 3663, or email claims@vara.insure.
Step 2 — Have ready
1
Your policy number
2
Details of what happened
3
Date and time of the incident
4
Photos or videos of damage, if applicable
5
Police crime reference number, if applicable
6
Any relevant documents or correspondence
7
Details of any witnesses
8
Estimates for repairs, if you have them
Step 3 — What happens next
Our claims team will:
1
Take details of your claim
2
Make contact with the relevant insurer to log your claim
3
Explain the next steps
4
Keep you updated throughout the process
Urgent situations
Emergency repairs.
If emergency repairs are needed to prevent further damage:
1
Take photos before any work begins
2
Keep all receipts and invoices
3
Only carry out repairs necessary to prevent further damage
4
Contact us as soon as possible
Before you act
Important information.
1
Report claims as soon as possible
2
Don’t admit liability or offer to pay for any damage
3
Don’t dispose of any damaged items without approval
4
Keep all correspondence and documents relating to the claim
Need a hand?
Claims support.
Need help with your claim? Our claims team is here to support you throughout the process — if you’re unsure about anything, please don’t hesitate to ask.
If you’re unhappy
Your rights.
If you’re unhappy with how your claim is handled:
1
Speak to your claims handler first
2
If still unsatisfied, ask for the claim to be escalated to a manager
3
You can make a formal complaint following our complaints procedure
4
You may have the right to refer your complaint to the Financial Ombudsman Service, depending on the size of your business
Vulnerable customers
Additional support.
We recognise that making a claim can be stressful, and some customers may need extra support. Please let us know if you:
1
Need information in alternative formats
2
Require additional explanation of any part of the process
3
Have any circumstances that might affect your ability to manage the claims process
We’re committed to treating all customers fairly and providing additional support where needed.
VARA
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222.