Sworn Proof Of Loss Form Template for England and Wales

When you suffer a significant loss or damage covered by your insurance policy, you may need to complete a Sworn Proof Of Loss Form to formally document your claim. This legally binding document serves as your official statement to the insurance company, detailing the circumstances, extent, and value of your loss under oath.

When do you need this document?

You'll typically need a Sworn Proof Of Loss Form when making substantial insurance claims, particularly for property damage, theft, or business interruption losses. Insurance companies often require this document for claims exceeding certain monetary thresholds or when the circumstances of the loss are complex. The form is also commonly requested when there are disputes about coverage, when multiple parties are involved in the claim, or when the insurer needs additional verification of the loss details. Many policies specify timeframes within which this form must be submitted, making prompt completion essential to avoid jeopardising your claim.

Key legal considerations

The sworn nature of this document means that any false statements can result in serious legal consequences, including criminal charges for perjury. You must ensure all information provided is accurate, complete, and truthful. The form requires detailed itemisation of damaged or lost property, including original purchase prices, current values, and supporting documentation such as receipts or valuations. You should also be aware that submitting this form may trigger additional investigation by the insurance company, including independent assessments or expert evaluations. The document becomes part of the formal claims record and may be used in legal proceedings if disputes arise over coverage or settlement amounts.

Legal requirements in England and Wales

Under the Insurance Act 2015, you have a duty of fair presentation when making insurance claims, which extends to completing Sworn Proof Of Loss Forms accurately and completely. The Consumer Insurance (Disclosure and Representations) Act 2012 requires you to take reasonable care not to make misrepresentations when providing claim information. The form must be sworn before a qualified official such as a commissioner for oaths or notary public, in accordance with the Statutory Declarations Act 1835. The Civil Evidence Act 1995 governs how this sworn statement may be used as evidence in any subsequent legal proceedings. Insurance companies operating in England and Wales must handle your claim in accordance with Financial Conduct Authority regulations and industry codes of practice, ensuring fair treatment throughout the claims process.