Guidance Following The Riots Across England

If you are in this unfortunate situation or have cause to think you may be affected in some way, please take a few moments to consider the notes below to help ensure that any potential material damage claim is not invalidated by the slightest of delays.


It is important that policyholders who have been affected by the current situation, or feel that they may have a claim arising from these disturbances, notify insurers of any potential claims within 7 days of the relevant incident. You should do this through your normal claim notification procedures.

Policyholders are reminded that the following Insurers offer an Emergency Claims Hotline that you can call in an emergency situation for help and assistance with any loss or potential claim.

  • Aegis policyholders – Cunningham Lindsay provide assistance for property and liability claims who can be contacted on 02920 386967.
  • Ageas policyholders – Woodgate & Clark provide assistance for property and liability claims who can be contacted on 0845 122 3283.
  • Hanover Re policyholders – 0208 240 4488
  • Novae (via Easy Broking) – 01724 761378
  • QBE policyholders – 24 hour assistance is provided for property only claims through GAB Robins on 0844 736 9640.
  • Aviva policyholders – 0800 015 1498.
  • AXA Policyholders – 0870 2418178 for property & 0870 3331424 for glass.
  • Woodbrook policyholders – 01277633166 or email
  • APC policyholders – 0207 256 3102

Provisions under the Riot Damages Act 1886

The current definition of a riot is codified in the Public Order Act 1986. The essential points are:

  • 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) must be such as would cause a person of reasonable firmness present at the scene to fear for his personal safety.
  • It is not necessary for the Claimant to show intent to use force to resist such opposition.
  • It is not necessary for anyone to be present and actually harmed.
  • The local police authority has a legal responsibility under the Riot Damages Act 1886 to reimburse persons who sustain damage to property as the result of a riot. The wording of the statute is explicit, in that any claim under the Act must “be made in writing and received by the local police authority within 14 days of the alleged incident”.
  • However, policyholders are reminded that different wordings have different Claims Notification Clauses – please ensure these are checked by reading your policy document, Usually the clause is a requirement for any claim for riot and/or civil commotion to be notified to Insurers immediately with full supporting documentation within 7 days of the incident occurring, specifically to prevent a recovery action being turned down by the police authority on the basis that the action is time barred. Insurers and entitled to recover their outlays under the principle of subrogation.

If you need guidance please call us on 0113 2818110

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