Under the conditions of all Insurance Policies (the contract) Policyholders have a duty to mitigate their loss. This means that steps should be taken to minimise any claim. For domestic Policyholders this could mean arranging temporary repairs to a roof to stop further water ingress. In the case of businesses, this could mean relocation to temporary premises to ensure some continuation of trade whilst a property is out of use. This action would be expected regardless of policy liability.

All documentation as well as photographs must be retained. Policyholders are expected to keep proof of losses. Every Policyholder has a duty to provide documentation to support claims and prove their loss.Policyholders need to give truthful and precise details of claims to Insurers and AJC. The only way AJC can provide its best service to Policyholders is with being armed with the full and honest facts surrounding incidents.

The Insurance policy is a contract. This may contain warranties and conditions that must be complied with in order that in the event of a claim, payment is made by Insurers. These conditions may depend on the answers you give when you first apply for Insurance.

AJC can give no guarantees of achieving a settlement. Clearly we will seek to achieve the best settlement we possibly can. We will provide our views on claims based on our experience and the information provided.

THIS IS NOT AN EXHAUSTIVE LIST AND SHOULD NOT BE CONSTRUED AS SUCH.