Claims

Home insurance

How to make a claim

The first thing to do is to check whether your Cumberland Home Insurance is provided by Aviva or RSA. If you’re not sure, you can find this information on your policy schedule.

Aviva claims

If you need to make a claim, call Aviva’s 24 hour claims line on 0800 092 3784. They are open 24 hours, 365 days a year.

There’s no need to fill out a claim form or arrange estimates, Aviva will take care of all the arrangements and, provided the incident is covered, settle the bill (apart from the excess) directly with the supplier.

If you would like free legal advice, or to make a legal claim, call Aviva on 0800 051 1701.

Existing claims

To speak to Aviva about an existing claim, call them on 0800 092 3784 between the hours of 9am and 5pm Monday to Friday.

In all cases, please quote your policy number.

RSA claims

Call our friendly team and quote your policy number to make your claim. They’ll guide you through the process, making sure it’s quick and easy for you.

You can reach the claims team on 0330 102 4204.

Available 8am-6pm, Monday-Friday and 9am-1pm on Saturdays.

If you have Home Emergency cover and require assistance, you can call the team 24hrs/7 days, 365 days of the year.

The Home Emergency number is 0345 072 7149.

Step by step

Here’s what to expect when you’re making a home insurance claim with RSA:

  1. Call our team
    You can reach the claims team on 0330 102 4204. We’re open 8am-6pm, Monday to Friday and 9am-1pm on Saturdays. Please make sure you have your policy number to hand.
  2. Tell us about your claim
    After verifying your details, we’ll ask for details of your claim. The more details you can provide on this initial call, the quicker the claims process will be. If you are claiming for contents, we may ask for receipts, especially for valuable items. Again, if you’re able to provide receipts, your claim can be settled more quickly.
  3. We’ll work on your claim
    What happens next depends on the type of claim you’re making. It includes things like assessing for repair versus replacement or cash settlement, valuation, surveying damage, and management of the repairs process.
  4. Settling your claim
    How we settle your claim will be based upon the type of claim you’re making, and whether the settlement is a cash payment, item replacement or a repair. If any excess is due, it will be requested before settlement of your claim. You’ll find full details of the claims process for each situation in our policy wording document.
RSA Home Emergency Assistance

You’ll receive £500 of cover which usually helps with:

  • Electricity supply failure
  • Plumbing or drainage system repairs
  • Removal of vermin
  • Securing your property when windows and/or doors have been damaged
  • Cost of accommodation if you’re unable to live in your home
RSA Logo
Important Information

As an intermediary, we act on behalf of RSA in arranging your insurance. Your insurance will be underwritten and administered by RSA (Royal and Sun Alliance plc (No 92792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We do not ask you to pay a fee but we receive a commission from RSA which is a percentage of the total annual premium paid by you each year.