Making a Claim



If something’s gone wrong and you need to make a claim, don’t worry – we’ve tried to make it as simple as possible.

Emergency Medical Assistance

24 hour worldwide emergency medical assistance service: +44 (0) 1242 218 999.

Claims Service – all Sections other than Legal Expenses and Gadget Cover

Click here to download and print the relevant claim form.

If you would like to speak to the Claims Department, please call 023 9241 9866.
We are open Monday to Friday 9am – 5pm, closed Bank Holidays.

Alternatively, email

When do I notify you?

The notification must be made within 31 days or as soon as possible thereafter following any bodily injury, illness, incident, event, redundancy or the discovery of any loss or damage which may give rise to a claim under this policy.

When will my claim be settled?

You can usually expect to receive one of the following within 5 working days of us receiving your completed claim form:

  • A cheque to cover your claim.
  • A request for more information and why we need it.
  • An explanation of why your claim is not covered under the terms of the policy.

Legal Expenses & Advice (Section 9)

Please contact the Emergency Helpline & Claims Service:

Telephone: 0800 923 4217 (if phoning from abroad: +44 (0) 800 923 4217)

In writing:

Lyons Davidson Limited,
Victoria House,
1 Victoria Street,
BS1 6AD.

Gadget Cover (Section 18)

In the unfortunate event that you need to make a claim, you should contact Direct Group, the claims administrator for Gadget Cover. Please contact them as soon as reasonably possible (but ideally within 48 hours) from discovery of the incident (or in the event of an incident occurring outside of the United Kingdom, on returning to the United Kingdom).


Visit our online claims portal


Alternatively, you can start your claim by emailing or calling the claims team:


Telephone: 0330 102 8698. If you are phoning from abroad: + 44 (0) 330 102 8698.

The line is open from 8:30am to 6:30pm Monday to Friday; and from 8:30am to 1pm Saturdays.