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Home Insurance Claims - DIY?

Do you have the ability to carry out the repair work yourself? If so, this could be the ideal solution. You should discuss this with your insurer before proceeding.

Your insurer will normally pay a contractor to do the work and their bill includes the materials they use, the labour for their employee(s) to do the work, overheads for their premises and administration staff, profit and VAT.

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By doing the work yourself, you can get paid by your insurer for the hours you work and save them money as they do not pay the last three items. It is a 'win win' solution. Keep receipts for the materials you purchase, count up the number of hours work and submit to the insurer for reimbursement.


"I saw her look at me twice. She appeared to be making slow progress when we met on impact."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies