How to submit a claim

Home insurance

• Immediately inform relevant authorities (the police, the fire and rescue service or the manager of the house) about the event
  If it doesn’t endanger your health and safety, try to reduce the damage caused by the accident. Take photos of the scene of the accident and its consequences.
• Submit an application for indemnity 24/7 within 3 working days from the accident on the webpage if.lv or by calling If Insurance at +371 67338333
• Never start repair without the consent of insurer. The insurer will contact you if it will be necessary to ask for additional documents and evidence, clarify information about the circumstances of the insurance event, the amount of losses and possible liable persons, or agree on the possibility to inspect the scene or damaged property.
   

Short term travel insurance

• In case of an accident, please contact the insurer 24/7 by calling at +371 66888833 (for calls from the US +1954 370 6404)
• You can submit an application for indemnity 24/7 on the webpage if.lv or by calling If Insurance at +371 67338333

What to do if an accident occurs or you need help:

• If you require medical help due to sudden illness, trauma or acute toothache, visit the nearest medical facility or contact the local emergency medical service if the situation is urgent.
• If you require transportation to your home country doe to a trauma or illness, please contact If Insurance.
• If an insured person dies during the trip, please immediately contact If Insurance.
• If damage to health, life of property of a third party is caused during the trip, for example, if you collide with another skier who needs medical help afterwards, please immediately contact If Insurance. Be sure to take care of the documents related to accident, including a written document by the injured party or its representative about the damages caused. Afterwards apply for indemnity.
• If you need legal help during the trip, please immediately contact If Insurance. When you return to your home country, apply for indemnity.
• If at the travel’s destination you notice that your luggage is damaged, ask the carrier for a proof about the damaged luggage. To apply for indemnity, you need to keep the damaged luggage, as well as provide pictures of it. When you return to your home country, apply for indemnity.
• If the delivery of your luggage is delayed for more than 4 hours in the travel’s destination due to the fault of the carrier, ask the carrier for a proof about the delay. If you need to buy basic necessities, such as clothes, shoes or hygiene items, make sure to keep a proof of payment for these items. When you return to your home country, apply for indemnity.
• If Insurance will contact you if it will be necessary to ask for additional documents and evidence, clarify information about the circumstances of the insurance event, the amount of losses and possible liable persons.

Vehicle insurance

• Immediately inform relevant authorities (the police, the fire and rescue service) about the event
  If it doesn’t endanger your health and safety, try to reduce the damage caused by the accident. Take photos of the scene of the accident and its consequences.
• Submit an application within 7 working days from the accident for indemnity 24/7 on the webpage if.lv or by calling If Insurance at +371 67338333
• Never start repair without the consent of insurer. The insurer will contact you if it will be necessary to ask for additional documents and evidence, clarify information about the circumstances of the insurance event, the amount of losses and possible liable persons, or agree on the possibility to inspect the damaged vehicle. You can take the vehicle to a repair service of your choice in order to prepare a repair cost estimate.