Advice to policyholders in the event of a riot

As you may be aware, losses caused by rioting can be recovered from the local Police Authority in whose area the damage occurred under the Riot Damages Act (1886). Claims for the recovery of such losses are known as subrogation claims and must be made within a strict 14 day deadline.  

Should any of you suffer loss or damage as a result of the recent riots, please be aware that insurers require immediate notification of claims in order lodge a claim in writing with the relevant Police Authority within the deadline. 

A full definition of riot is included within the Public Order Act (1986).  One of the key elements is “12 or more persons must be present together and use or threaten unlawful violence for a common purpose and the conduct of them (taken together) is such as would cause a person of reasonable firmness present at the scene to fear for his personal safety”. 

Customers and policyholders are advised to contact us as soon as they are aware of any damage or losses caused by rioting. There may be some restrictions in place preventing people returning to their premises but if we have an early notification of a possible claim we will be better prepared to help. 

For any further information, do not hesitate to contact our claims department by email to or call 023 9224 8780.

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