To help you get more from your agency with Rural we have put here some help and advice on how to make a claim for:

Motor accident
Motor windscreen
Motor theft
Property
Livestock
Equine
Hail crop
Farm Liability
Personal accident
Making a mid -term adjustment
Making a motor declaration

MOTOR ACCIDENTS

WHAT TO DO IF YOU SUFFER A LOSS

The following are intended as basic guidance for the procedures in the event of loss:

• If Comprehensive cover is in force an estimate should be obtained for the repairs unless the vehicle or machine is beyond repair. We understand the nature of your business and therefore you are able to obtain estimates from your normal garage or dealership.
• In the event of the costs being more than £300 Labour + parts or if the damaged item isa total loss then please let us know immediately so that we can arrange an engineers inspection.
• If a vehicle is a confirmed or suspected Total Loss the vehicle Registration Document, MOT Certificate (if applicable) and service records should be sent to Rural or given to our engineer as soon as possible.

TO REPORT A LOSS BY:
Phone - 01423 876009
Fax - 01423 876001
Email - click here

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MOTOR GLASS REPLACEMENT / REPAIR
In partnership with RAC AUTOWINDSCREENS

RAC Auto windscreens we are able to offer top class windscreen repair facilities for all vehicle types including agricultural machinery.

To report a claim arrange contact by simply clicking on the appropriate button below.

Once the work is complete Rural will pay the bill on your behalf, all you need pay is your policy excess (and VAT if you are registered).

To have your windscreen repaired or replaced please contact:

RAC AUTOWINDSCREENS FREEPHONE - 0800 919 700

To learn more about our business partner RAC Auto windscreens please click here

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MOTOR THEFT

WHAT TO DO IF YOU SUFFER A LOSS

• If your vehicle is stolen report the theft immediately to the police.
• Report immediately to rural insurance. DO NOT delay in the hope that the vehicle will be recovered.
• Gather together all the vehicle documents - these will needed by our claims examiner.

TO REPORT A LOSS BY:
Phone - 01423 876009
Fax - 01423 876001
Email - click here

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PROPERTY

WHAT TO DO IF YOU SUFFER A LOSS

• In the case of Fire damage where the Fire Brigade is involved obtain the brigade details and any brigade reference number.
• In the event of Theft, vandalism, mysterious disappearance of goods or livestock report immediately upon discovery to the Police and obtain the Crime Report reference and name of the reporting officer.
• Where the loss involves damage to computers and other electronic devices do not attempt to use them. Arrange for an expert to assess the damage and to try and effect any repair.
• For all Property losses prepare a written inventory as soon after the loss as possible - for theft losses this should be given to the Police and a copy retained for any Insurance claim.
• If possible take photographs of the damaged items, write down brand names and model numbers. The more information and documentation we have the faster your claim can be processed.
• If practical always try and protect your property from further loss. We have no objection to you making temporary repair. However always remember though to never endanger your own life or that of others.

Property Claims (own property) -

HOW TO REPORT A CLAIM
All Rural's claims property claims are dealt with by our business partners AGRICAL Chartered Loss Adjusters
To report a loss by e-mail please click here

Or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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LIVESTOCK

WHAT TO DO IF YOU SUFFER A LOSS

• In the event of Injury or illness ensure immediate attendance by a Veterinary surgeon
• If the loss involves a noticeable disease report to DEFRA - always obtain the name of the official and case number.
• Always comply with any official Order relating to the destruction, treatment or Movement Restriction of your animals.
• All claims for Disease, Accidental Death must be supported by Vets Reports and
• In the event of Infertility, Loss of Use or Loss of Libido claims a full Veterinary Report must be obtained at the Insured expense
• Animals must not be put down without prior reference to Agrical Chartered Loss Adjusters or Rural Insurance Group except where the case involves:
• Notifiable Disease
• Humanitarian Slaughter requiring immediate slaughter to prevent further suffering.
• All claims should be supported by purchase documents, Breed Society Certificates and Pedigree Certificates.

For animals used in competition or showing the details of winnings or placing's should be
included.

HOW TO REPORT A CLAIM
All Rural's claims livestock claims are dealt with by our business partners AGRICAL Chartered Loss Adjuster.

To report a loss by e-mail please click here or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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EQUINE

CLAIM TIPS
1. In the event of Injury or illness ensure immediate attendance by a Veterinary surgeon.

2. Always comply with any Veterinary Order relating to your animal.

3. All claims for Disease including Death must be supported by Vets Reports and Post Mortem Certificates.

4. In the event of Loss of Use cover being applicable a full Veterinary Report must be obtained

5. Animals must not be put down without prior reference to AGRICAL Chartered Loss Adjusters or Rural Insurance Group except where the case involves Humanitarian Slaughter requiring immediate slaughter to prevent further suffering.

6. All claims for Death or Loss of Use (if cover applicable) should be supported by purchase documents, Breed Society Certificates and Pedigree Certificates. For animals used in competition or showing the details of winnings or placing's should be included.

EQUINE CLAIMS - HOW TO REPORT A CLAIM

All Rural's Equine claims are dealt with by our business partners Agrical chartered loss adjusters.

To report a loss by e-mail please click here

Or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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HAIL CROP

WHAT TO DO IF YOU SUFFER A LOSS
1. Always ensure that immediate notification is given.
2. As Hail Storms are extremely localised try to collect examples of the hail stones and
preserve in the deep freeze for examination by a loss adjuster.

Important Note - Claims can only be considered if notification is received within 3 days of the date of loss.

HOW TO REPORT A CLAIM
All Rurals hailstorm claims are dealt with by our business partners AGRICAL Chartered Loss Adjusters

To report a loss by e-mail please click here

Or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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FARM LIABILITY (non motor)

WHAT TO DO IF THERE IS AN INCIDENT
It is vital therefore that Clients ensure that all loss’s no matter what the circumstances are reported to Rural immediately.
1. In the event of Liability incident a claim form should always be completed no matter what
the circumstances.
2 Any injury to an employee should always be recorded in an accident book.
3 Serious injuries to an employee should always be reported to the Health and Safety Executive
4 In the event of a Liability incident try always to keep any evidence for inspection either by the Authorities or by Rural's Claims Examiners.
5 In the event of a Liability claim try always to take photographs of the scene.

HOW TO REPORT A CLAIM
All Rural's claims liability claims are dealt with by our business partners AGRICAL Chartered Loss Adjusters

To report a loss by e-mail please click here

Or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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PERSONAL ACCIDENT / SICKNESS CLAIMS

HOW TO REPORT A LOSS
In order that we can offer the earliest possible assistance please ensure prompt notification of all claims.

If the person sustaining the Injury or suffering the illness is incapable of reporting the loss then we will happily accept notification from family members and others. The most important fact is to ensure that notification is given to us.

It is important that all sick notes from the GP or Hospital are kept securely. These will be required in connection with the claim and possibly by you for Social Security purposes.

We will sometimes need to obtain a report from the GP or specialist. If this is required we will let you know beforehand.

All Rural's Personal Accident and Sickness claims are dealt
with by our business partners AGRICAL Chartered Loss Adjusters.

To report a loss by e-mail please click here

Or alternatively contact
Rural Claims Line - Tel 01937 838050
Fax 01937 838055

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MAKING A MID-TERM ADJUSTMENT

To make a mid term adjustment please click here and complete the required form and send to us as soon as possible (to use a generic Mid-Term Adjustment form click here)

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MAKING A MOTOR DECLARATION
In order to make sure that your clients are registered on the UK Motor insurer database you need to get any policy changes to us as soon as possible. Please fill in this form and send to us. click here

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