Most claims are subject to a policy deductible. There is no coverage for losses that result from criminal behaviour by the policy-holder. You cannot claim for the amount (if any) that exceeds the sum insured.

If you have suffered a loss for which you are insured, inform your insurance broker of the nature of your claim. If there has been a burglary or theft, the police must also be informed. You’ll be required to supply information about the circumstances of the claim as well as reasonable evidence to justify the amount claimed. Your insurer will want an accurate description of items stolen, for example, and will want to know when they were acquired and what they cost at that time.