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What to keep together

GENERAL ORDER OF STEPS

Safety before paperwork

If people or property are at risk, first take reasonable steps to prevent further damage and contact emergency services if necessary.

Document the incident

When it is safe, photograph the damage, keep receipts and key evidence, and note the time and circumstances.

Open the official channel

An insurer's profile shows only a verified official link or, if no dedicated public claims form is confirmed, its official contact page.

Keep your claim reference

After filing, keep the confirmation, claim or case number, and a copy of all submitted documents.

Complain if necessary

HANFA states that insurers must respond to a written complaint within 15 days. The regulator does not determine the validity or amount of an individual claim in place of the insurer.

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Channel verificationInsurers’ official websites · checked 26. 9. 2026.