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Proof of purchase and contents insurance

Proof of purchase and contents insurance

If you’re claiming for something on your home contents insurance, do you need a receipt for it? We take a look at proof of purchase and claiming on your insurance.

Chris King
From the Home team
minute read
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Posted 16 JULY 2020

Do I need proof of purchase to make a claim on my contents insurance?

Some insurance providers stipulate that, in order to make a claim on your contents insurance, you’ll need to provide receipts for (or photographs of) any items that have been stolen or damaged. You’ll find this information in your policy documents.

Likewise, if you’re insuring a high-value item, such as jewellery or art, your insurance provider might ask to see proof of value before agreeing to cover it.

What counts as proof of purchase?

A receipt is the most reliable form of proof. But if you haven’t kept hold of your receipts, there may be a record of the transaction on your bank or credit card statement.

If the item was a gift or family heirloom, it’s unlikely that you’ll have a receipt for it. In these instances, it’s always best to take photos and/or have the item valued – in case you need to make a claim.

If it’s too late for that, take a look through your old photos. Is there a picture of you wearing the piece of jewellery in question? If it’s a priceless antique or a smart TV, are there photos that show the furniture in situ at home?

For high-value jewellery that you’re looking to add to your contents insurance, you can approach the Institute of Registered Valuers for a credible valuation.

It’s worth knowing that your insurance provider can’t ask you for documents that wouldn’t reasonably be considered relevant. That’s considered unfair commercial practice, under the Consumer Protection from Unfair Trading Regulations 2008.

How can I make the claims process easier?

Keep a file that contains receipts, valuations and policy documents, plus photographs of any valuable items. That way you’ll have access to all the information you need to make the claims process as easy as possible.

Can I have cash instead of a replacement item?

Your insurance provider isn’t obliged to give you cash to replace a damaged or stolen item. They may instead give you a replacement item or offer to repair the original.

What do I do if my insurance provider won’t pay out?

If your insurance provider refuses to pay your claim because you don’t have proof of purchase, you could take your dispute to the Financial Ombudsman Service, who may step in on your behalf. However, you’ll have to go through the insurance provider’s complaints procedure first.

How do I get the right deal on contents insurance?

Shopping around is the easiest way to make sure you’ve got the right level of cover at a great-value price. By comparing with us, you could get annual contents insurance for £69**. So why not quote today and see if you could save.

**50% of people could achieve a quote of £69.00 per year for their contents home insurance based on Compare the Market data in May 2020.

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