Bulwark Claims
Claims, explained plainly
Start a claim online, by WhatsApp or on the 24-hour line. A named handler keeps you updated, and every decision comes with its reason.
Claim form
Start a claim online
It takes about five minutes. You can add photos now or later.
Received
Thank you, friend. Your claim has started.
Your claim reference is on its way by WhatsApp, and a claims handler will call you within two working hours. Your enquiry goes straight to the team's COVORN dashboard, so the right person sees it today.
Timeline
What happens after you tell us
Typical timings for straightforward claims. Example figures.
- Within 2 hours
A named claims handler calls you and gives you a reference.
- Within 2 days
An assessor or loss adjuster inspects the car, home or stock if needed.
- Within 6 days, typically
We decide the claim against your policy terms and explain the decision in writing.
- Settlement
Repairs are approved, or money is paid to your account, the garage or the hospital.
Checklist
What to have ready
Your policy number
On your schedule, renewal message or the Bulwark card.
Photos
Of the damage, the scene and anything stolen or broken.
Police extract
For theft, burglary and accidents with injury.
Receipts or records
Bank statements and boxes count too.
Fair decisions
If we say no
Sometimes a claim is not covered. When that happens we write to you within the claim timeline, name the clause in your policy, and explain it in plain words.
You can ask for a review by a manager who was not part of the first decision. If you are still unhappy, we tell you how to take your complaint to the insurance regulator and the industry complaints service.
Your rights
- A written reason for every decline
- A review by a different manager
- Help to complain to the regulator
- No pressure to accept a settlement on the spot
FAQ
Claims questions
How long do I have to report a claim?
As soon as you can, and within 7 days for most cover. Report theft to the police within 24 hours.
Can I use my own mechanic?
For small repairs, yes, with an estimate first. Larger repairs go to an approved garage so we can stand behind the work.
Will my premium go up?
It can, at renewal. A no-claims discount protector add-on keeps your discount after one claim a year.