Lloyd's FAQs

Lloyd’s does not process claims.

The contact that you most likely need is the claims notification agent. If you are a policyholder, the details of the claims notification agent should be set out in your insurance policy. If you are unable to locate the details of the claims notification agent, you should contact the broker or agent that sold you the insurance coverage.

If you are not the policyholder, you will need to obtain the details of the claims notification agent from the insured. 

Lloyd’s will have no knowledge of your claim.

As noted above, Lloyd’s is a marketplace of independent insurers.

There is no central database of policies placed in the Lloyd’s market by independent insurers who keep their own commercially-sensitive records. Lloyd’s has no access to those individual records and as such, Lloyd’s is unable to identify which agent was used, or verify any purported coverage by reference to a policy number or a named insured.

If you do not already have a claims notice point of contact, we would advise you to approach the broker or agent that you (if you are the policyholder) or the insured (if you are not the policyholder) used to purchase coverage, as only that agent will be able to identify the relevant insurer(s) to assist with your enquiries.

As noted above, Lloyd’s is an insurance market of independent insurers.

Lloyd’s holds no policyholder information, does not undertake policy administration and cannot provide copies of policies, endorsements, declaration pages, loss runs, claims histories or any other information relating to purported individual insureds.

We would advise you to approach the broker or agent that you used to purchase coverage, as only that agent will be able to identify the relevant insurer(s) to assist with your enquiries.

Please do not serve letters of representation, notices of claim or tenders of defense on Lloyd’s. Lloyd’s is not an insurer or a carrier. There is no central index of policies held within the Lloyd’s market. Lloyd’s is therefore unable to identify and notify the relevant insurer or carrier. In the event that you have been instructed as a legal representative on behalf of a third party and wish to serve a letter of representation, notice of claim, tender of defense or other legal correspondence on the relevant insurer, you will need to establish the contact details of the relevant claims notification agent. These should be set out within the insured’s policy. In the event that the insured is unable or unwilling to provide you with the relevant contact details, you may need to subpoena a copy of the insurance policy from them. As Lloyd’s holds no policyholder records, Lloyd’s is unable to notify insurers or carriers in respect of individual claims.