Contents Claims

Contents Claims

We offer several ways to make contents claims. If you're making a claim for an electronic item (e.g. a mobile), hearing aids or glasses we have quick claim flows available in FMG Connect, our new online system that is available to all clients.

If you prefer, claims can also be made by calling FMG, or providing us some basic claim information online to help get the process started. See the below table for details.

Personal Contents Policies

If you need to make a single item claim for one of the following:

  • Electronic item
  • Hearing aids
  • Glasses

or register and claim online using 


Contact us on 0800 366 466 or submit your claim information and we will call you back


Farm and Commercial Policies and Personal Contents Policies

For all other personal, farm or commercial claims:

Contact us on 0800 366 466 or submit your claim information and we will call you back

For urgent claims

If you need to make a contents claim; let us know as soon as possible. Call 0800 366 466 or get your claim started online.  

Other useful claim information

  • Remember to keep the damaged contents you want to claim for.  If you’re claiming for spoilt frozen or refrigerated food, take photos before you throw it out.
  • Once your claim is lodged we might need a report from a repairer to confirm the damage and what caused it, and an estimate to repair or replace the items.  We can arrange replacement quotes for most electrical items, including mobile phones.
  • In some cases we may appoint an assessor when you lodge the claim or when we receive the report.  If we appoint an assessor they’ll help arrange quotes and liaise with repairers.
  • If you have lost an item, or had something stolen let the police know straight away and take note of the file reference number
  • check whether any house or vehicle keys have been stolen.

Minimising further damage

Sometimes you might need to act straight away to stop damage to your contents getting worse.  If this happens remember to take photos at the time and keep any damaged items.

Here are some tips to help prevent further damage before help is on the way. 

Flooding - storms or burst pipes

  • Turn water off at the mains if the flooding’s from pipes/hot water cylinder.
  • Contact a local carpet cleaning company for advice about how to start drying your property out – they often deal with flooding restoration.
  • Dry things out as best as you can. 

Click here to view more about our policies.