What to do in the event of a claim?

1. Document immediately & remain calm

  • Document all damage immediately: Photos, date, time, location of damage, cause of damage.
  • Also note down any witnesses or involved parties.
  • In case of danger: Secure the damage and prevent further damage.
Illustration eines Mannes mit Schal, der mit einer Kamera einen Schaden fotografiert
Illustration eines Mannes am Schreibtisch, der telefonisch einen Versicherungsschaden meldet, neben sich Notizen, Bücher und eine Tasse Kaffee

2. Report the claim proactively and promptly

  • Always report the damage to us as a precaution, even if it's not yet clear whether a settlement will be required.
  • Generally, the claim should be reported within 1-2 weeks.
  • Context: It's often harder to reconstruct the damage and file a claim later on.
Report a claim

3. We'll take care of the rest

  • We'll assist you with the claims process.
  • We'll handle all communication with the insurance company.
  • You'll receive regular updates on the current processing status.
Illustration eines entspannten Mannes auf dem Sofa mit einer dampfenden Tasse Kaffee in der Hand
Klugversichert means: Simply report it, we'll take care of it!
Report a claim now