Free template · United Kingdom
Free claims experience summary template for UK brokers
Five years of claims experience the way underwriters want it: by policy year with paid, outstanding and incurred, the open claims and what the client has done since. The report charts paid and outstanding by year from your figures. Ready for a renewal presentation or a new market.
- No login needed
- Your logo, free
- Charts from your figures
- Written for UK rules
- Written for FCA ICOBS and the Consumer Duty
- No login. Nothing stored until you download.
- Charts Word can't draw
- Every section cites its rule
What you'll download
A finished claims summary, not a blank form.
Pages from the sample report. Tap a page to look closer.
Charts from your own figures
Word can't draw this. Your claims summary can.
Enter the figures once in the wizard and the report draws its own charts from them. The pattern across the years shows before anyone reads a table. No spreadsheet to build and no images to paste in.
In the claims summary:
- Paid and outstanding by policy year
- Your own logo on the cover and every page, free
Paid and outstanding by policy year
- Paid
- Outstanding
What's inside
9 sections, each one there for a reason.
Every section of the claims summary, why it matters to your client and the rule or practice behind it. Edit or remove any you don't need.
- 1
Client and policy details
Insured name, company number, class of cover and the period the summary covers.
Underwriting practice
- 2
Claims by policy year
Number of claims with paid, outstanding and incurred for each year, with nil years shown as nil.
Underwriting practice
- 3
Claims chart
Paid and outstanding by policy year as a stacked column chart, so a bad year or a clean run shows at once.
Underwriting practice
- 4
Five year history
The period most underwriters ask for, so the presentation answers the question before it's asked.
Underwriting practice
- 5
Open claims
Each open claim with date of loss, description, reserve and status.
Insurance Act 2015 s3
- 6
Large losses explained
What happened, what it cost and what the client has done since to stop it happening again.
Underwriting practice
- 7
Risk improvements
Changes to premises, training or procedures that make the history look better than the numbers alone.
Best practice
- 8
Source and as at date
Where the figures came from and the date they were correct.
Best practice
- 9
Fair presentation reminder
Asks the client to confirm nothing is missing, including incidents that haven't become claims.
Insurance Act 2015 s3
How it works
- 1
About 5 minutes
Answer three short steps
Enter the client, then each policy year's claims and any open claims with their reserves. Add your own logo if you like. No login and nothing to install.
- 2
Real document editor
Polish it in the editor
Your claims summary opens in Coverbound's document editor. Change any wording, add your own notes and remove sections you don't need.
- 3
Free
Download the PDF
A professional PDF with the charts drawn from your figures and your logo on every page. Email it to yourself and ask for a reminder before the next renewal. Written for UK rules, with a small Prepared with Coverbound footer.
Free tool or a free trial
The report is free. A trial saves you next year.
Free, no login
Everything you need for this report.
- Fill it in with the 3 step wizard
- Edit in the full document editor
- Charts drawn from your figures
- Your logo on the cover and every page
- Download a professional PDFWith a small Prepared with Coverbound footer
- Email the PDF to yourself
- A reminder before the next renewal
- Your colours, fonts and FRN details
- Save it and reuse it next year
- Export to Word
- Send it for e-signature
- AI fill from last year's policy schedule PDF
With a 14-day free trial
Make it yours and do less next year. No card needed.
- Fill it in with the 3 step wizard
- Edit in the full document editor
- Charts drawn from your figures
- Your logo on the cover and every page
- Download a professional PDFNo footer
- Email the PDF to yourself
- A reminder before the next renewal
- Your colours, fonts and FRN details
- Save it and reuse it next year
- Export to Word
- Send it for e-signature
- AI fill from last year's policy schedule PDF
Before you ask
Questions about the claims summary.
- How many years of claims experience do underwriters want?
- Five years is the usual ask for commercial covers. Liability and professional indemnity markets may want longer. The template defaults to five and you can add years.
- What is the difference between paid, outstanding and incurred?
- Paid is what the insurer has already paid. Outstanding is the reserve held for open claims. Incurred is the two added together and is the figure underwriters usually rate on.
- Does a claims summary help with fair presentation?
- It helps. A complete claims history is part of a fair presentation of the risk under the Insurance Act 2015. Ask the client to confirm it includes every claim and known incident.
- Should I show years with no claims?
- Yes. A nil year is good news for the client. Leaving it out makes the underwriter wonder if it's missing.
- Does it draw the charts for me?
- Yes. The report draws its own charts from the figures you enter in the wizard, so there's nothing to build in a spreadsheet and nothing to paste in. They print in the PDF next to the tables they come from. Word can't do that on its own.
- Can I add my own logo?
- Yes, for free. Upload a PNG, JPG or WebP and it goes on the cover and every page of the PDF. Your colours, fonts and licence details come with the 14-day free trial.
- Is it really free?
- Yes. Fill it in, add your own logo, edit it and download the PDF without an account. The charts are drawn for you and you can email the PDF to yourself. The free PDF carries a small Prepared with Coverbound footer. A 14-day free trial removes the footer, adds your colours, fonts and FRN details and lets you save the document for next year. No card needed.
- Who is responsible for the advice in the document?
- These templates are a starting point, not legal or compliance advice. You remain responsible for the advice and documents you give as an FCA authorised firm or appointed representative under your FRN. Check each document against your firm's compliance procedures before you send it.
More free templates
Other templates for UK brokers
These templates are a starting point, not legal or compliance advice. You remain responsible for the advice and documents you give as an FCA authorised firm or appointed representative under your FRN. Check each document against your firm's compliance procedures before you send it.
Your next report, done before lunch.
Answer three short steps, add your logo and download the PDF with its charts drawn for you. No login needed.
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