Claims related enquiry

1. Lloyd’s (also known as Lloyd’s of London) is not an insurer – you cannot file a claim with Lloyd’s
2. Lloyd’s does not appoint or instruct assessors or adjusters and does not receive their reports or recommendations
3. Lloyd’s is an insurance marketplace but not itself an insurance company or risk carrier
4. Insurance business is underwritten “AT” Lloyd’s - but policies are not insured “WITH” Lloyd’s or “BY” Lloyd’s
5. Lloyd’s is the building where insurance business is traded between brokers and approximately 100 independent insurers who all keep their own records - but Lloyd’s is not a party to any such policies and holds no information in respect of them
6. An insured is not a customer or client of Lloyd’s and Lloyd’s therefore will hold no information in respect of individual insurance arrangements
7. Lloyd’s has no access to copy policies, loss runs/claims histories, declaration pages, credentialing data, premium or claims records, the terms and conditions of a policy or any other details in respect of individual coverages
8. There is no central database of policies so Lloyd’s cannot search for a policy number, an insured name, which broker/agent was used and cannot verify the existence or validity of a policy
9. Lloyd’s itself is therefore unable to answer any questions in respect of an insured’s claim or its current status

Should you have an enquiry in respect of a claim or need any documentation shown in note 7 above, please contact the broker or agent that was used to purchase coverage. The broker/agent will hold the relevant files and be able to advise you further.