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New FNOL claims facility now available on Lorega Online

FNOL is the newest exciting feature to be added to the Lorega Online Quote & Buy platform.

It allows brokers who have access to our online system to submit a claim efficiently and effectively online, 24/7, without needing to ring us on our claims number or fill in a claims notification form. FNOL enables the broker to easily provide extensive information in relation to the claim, and to upload policy documents such as underlying policy wordings. Claims can be referred immediately if the date of loss is outside of Lorega’s notification period of 14 days.

Once the broker has completed the claim submission online, the Lorega claims department will be notified immediately. The claims department will check over the details and appoint a loss adjuster.

How to access the FNOL facility

If you’d like access to our FNOL facility switched on for your brokerage, just get in touch with us and a member of team will arrange this for you straight away.


lorega claims notification FNOL button
lorega claims notification FNOL form

Other ways to submit a claim

Brokers can also email the claims department with a copy of one of our claims notification forms, which can be downloaded on our website. You can also ring us 24/7 on 020 7767 3070.

Seven ways high net worth customers could avoid an insurance claim while on holiday

Seven ways high net worth customers could avoid an insurance claim while on holiday

As airports, beach bars, and luxury hotels around the globe prepare for the arrival of your high net worth clients this summer, now is the time to help them ensure their properties at home are protected before heading off.

As our loss adjusters have experienced on high net worth cases, relaxing vacations can soon turn into stressful nightmares when something goes wrong back at home.

Case study: what can go wrong when clients are on holiday

In one instance, our loss adjusters were approached for advice after the event when a couple on a weekend away in Berlin received a phone call from a neighbour notifying them that their flat had been broken into.

7 ways to a avoid an insurance claim on holiday - empty home high net worthThe police assessed the situation and instructed that the lock and door were damaged and should be dealt with immediately. Unfortunately, the landlord of the building was absent as he lived abroad, and so the couple were tasked with finding a contractor straight away.

They found an emergency contractor who told them he was approved by insurers, and would be able to immediately replace the door. The new door cost £1300 in total. The couple came back from their holiday ready to claim the cost back on their household policy.

When the insurers received the claim, they stated that their specialist contractors would have charged £700, and that the couple should have gotten at least 3 competitive quotes for the work. They refused to pay them any more than £700.

This is when the couple approached Lorega’s chartered loss adjusters for advice. Our adjuster argued that it was the insurer’s duty of care to the customer to pay the full claim, as it was unreasonable to expect them, whilst on holiday abroad, to shop around for multiple quotes for the emergency work, when the police had told them to immediately secure the premises.

The insurer agreed to pay the claim in full. Moving forward, the couple have taken out a Loss Recovery Policy, which will remove the stress of dealing with their insurance claims if faced with another loss in the future.

7 tips to protect an empty property

Share these tips with your clients to help make sure they’re protected when on holiday.

  1. Make sure the policy covers long absences – it’s no use having cover if it isn’t valid for the entire trip. In most cases this will be 30 days, and some policies may even ask that somebody visits the property every week.
  2. Ensure all door and window locks are secure – in 72% of break-in cases, a burglar will enter through a door, according to LockRite statistics. 15% of those will get in because the door has simply been left unlocked
  3. Take contact details for emergency contractors – write them down or have them saved on your phone, just in case you need them while away. Preparation is key and will help should something happen when abroad
  4. Ensure your alarm is in full working order – check this before you go, and make sure it has a regular service (every 12 months). Many HNW policies will have this service contract as a requirement.
  5. Switch off the water mains – an easy one to forget but an even easier one to prevent disasters from occurring. Turning off the water supply can help avoid issues, but may also be required as part of the policy
  6. Tell a trusted neighbour – let them know that you are going away, and make sure they have a spare key should the worst occur. This will make the insurance process easier and, in some instances, can help to mitigate the loss. As a lesson to learn from the above case study, it’s a good idea to ensure your neighbours have your contact details
  7. Avoid posting about going away on social media – while it’s tempting to show followers that you’re jetting off to the sun, this tips others off that the house will be empty for the duration of the trip


Smooth the claims process

Should the worst occur and a claim is not prevented, our loss adjusters have the expertise and experience to ensure the claims process runs as smoothly as possible – as demonstrated in the case above.

In our recent webinar, Chartered Loss Adjuster and Operations Director of Lorega Solutions Martin Almond spoke his experience supporting policyholders in high net worth claims and discussed some of the benefits of having a loss adjuster working on their behalf. For personal lines brokers, the webinar provides information on product benefits and how they can sell Loss Recovery to home owners.

A Broker’s Guide to the Health and Safety Executive Fee for Intervention – could your clients be at risk?

A Broker’s Guide to the Health and Safety Executive Fee for Intervention – could your clients be at risk?

In October 2012, the Health and Safety Executive (HSE) introduced Fee for Intervention (FFI) as a way to recoup the costs of carrying out its regulatory functions from employers and the self-employed found to be in material breach of health and safety law.

These HSE inspections and visits were once totally publicly funded, and the shift to Fee For Intervention was intended to encourage businesses to comply with HSE requirements without intervention becoming necessary.

Put simply, the HSE is looking for health and safety lawbreakers. Unfortunately, because of the breadth of this definition, the threshold for receiving an FFI is low, and it is likely that one of your manufacturing, healthcare, education, gas installation, haulage or construction clients in particular could receive an invoice from the HSE.

Your clients may be unaware of current requirements and could be at risk of paying a large FFI invoice; don’t let them get caught out if the HSE comes to visit, and share this guide to Fee For Intervention.


What is an FFI?

A Fee For Intervention is charged when an HSE inspector finds that an employer or self-employed person has put others including their employees or members of the public at risk, violating healthy and safety regulations. This could involve many factors, including poor control of toxic materials, lack of planning, , failing to train or supervise staff properly, lack of use of personal protective equipment, and unsuitable equipment usage.

A few specific examples of these material breaches could include:

  • Poorly maintained or misuse of ladders
  • Unhygienic or non-existent welfare facilities
  • Inadequate planning and/or supervising work at height
  • Not providing guards or effective safety devices to prevent access to dangerous parts of machinery
  • Materials containing asbestos in a poor or damaged condition resulting in the potential to release asbestos fibres

These breaches could be discovered during an unannounced HSE visit, or following a health and safety incident leading to a HSE intervention. The total of the FFI is based on the amount of time it takes the HSE to identify and complete their regulatory action relating to the material breach, and the hourly rate charged is £129. This includes not only the time taken in the original inspection but all the follow up action, correspondence and revisits needed.

Upon a satisfactory resolution of the health and safety breaches, the inspector will provide a written notice, detailing the amount to be paid and how health and safety regulations were violated in the material breach.


Who is impacted by Fee For Intervention?

By and large, the construction and manufacturing industries bear a majority of the burden when it comes to HSE regulations and FFIs.

Construction companies have received nearly 28% of the overall total number of FFI invoices, while manufacturing represents 36% of FFIs issued.


While private companies have received the bulk of all FFI charges, those who are self-employed come in second place. But not everyone is at risk of an FFI – The HSE has provided the following list of those to whom the fee does not apply:

  • Those who are regulated by Local Authorities, not the HSE
  • Self-employed people who don’t put people at risk by their work
  • Those who are already paying fees to HSE for the work through other arrangements
  • Those who deliberately work with certain biological agents.

With such a small list of exceptions, it’s important to understand that your clients could be at risk for receiving an FFI if they are not compliant with HSE regulations.

How businesses can avoid FFI

The HSE has put these in place so that greater responsibility is taken to follow potentially life-saving regulations. Bearing this in mind, the easiest way to avoid FFI is to comply with health and safety laws.

Businesses must have suitable systems in place to protect employees, visitors and the public from harm. It’s also important to have up-to-date risk assessments and health and safety policies readily available to employees, ensuring they have relevant training for the hazards of their workplace.

High on this list of preparedness is making sure your clients have the capability to recover from an FFI.

How Lorega can help

Lorega’s team of health and safety specialists are aware of the impact that an FFI can have on the success of SMEs. We provide HSE Recovery insurance to support businesses with independent, expert health and safety professionals who can help your clients navigate the process of a HSE inspection. The policy will also cover up to £25k of FFI charges, should the HSE discover one of your clients has materially breached health and safety regulations.