You must make your insurance claim as soon as possible after you suffer a loss.  If you do not make it within 30 days, the insurer may reduce what they pay you by an amount to take an account of any disadvantage they suffer by the delay.

1. You must complete the claim form.

2. Obtain a quotation for repairs.

3. Obtain a quotation for the replacement of the item if not
    repairable.

4. Take all reasonable steps to stop any further loss from
    occurring.

5. Advise the nearest police station if your property is lost,
    stolen, vandalised or maliciously damaged.  The insurer
    may ask you to give us a written report from the police.

6. Keep the property that has been damaged to the insurer
    can inspect it.

7. Tell us about any prosecution or request that may be 
    held.

8. Send us any document relating to your claim within 72
    hours of you receiving the document.

You must not do any of the following:

1. Repair of replace any damaged property without the
    insurer's consent.

2. Pay, promise to pay, offer payment or admit
    responsibility or liabiity for the claim.