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If you can prove ownership of the item you're claiming for, you can get a claim paid out without receipts. In fact, there are lots of ways you can show ownership without receipts.
To verify a contents insurance claim, you ordinarily need to have a receipt or some other proof of ownership. This is so you can show the insurer how much the item cost and that they were damaged or stolen.
Stolen claims
The hardest part about a burglary insurance claim with no receipts is proving the item that was stolen existed. However, if you can show some other evidence that you owned the item and its value, your insurer is likely to accept your claim. Keep in mind that insurers may vary when it comes to what they will accept as proof of ownership.
Damaged claims
It's not enough to just have the damaged item. You will need some evidence of purchase to prove you owned the item and to determine its value. You should find exactly what your insurer considers to be sufficient proof of ownership in the PDS next to "burden of proof".
While a no-proof-of-purchase insurance claim can slow the process down, there are other forms of evidence insurers will accept. They may also accept the following evidence as proof of purchase or ownership:
How much evidence you will need is likely to depend on the nature and the value of the home and contents insurance claim. Some insurers will only require one piece of evidence; others might want more. To be on the safe side, send as much evidence as possible.
You can often list specific items you want cover for when you take out home and contents insurance. In these circumstances, you will generally need to provide some evidence of ownership at the time.
If these items are damaged or stolen down the line, this should make claiming for them a little easier. This is because your insurer is already aware that these items exist, so they probably won't require as much evidence. Remember though that this will vary between insurance providers.
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
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