THE SHORT ANSWER
A stolen bicycle or damaged computer often raises the same question: what if I cannot find the receipt? You need to establish that the item was yours and what it was worth, but an original receipt is not the only possible evidence.
Think in three parts: the item, its value and the event. A photo may show what you had, while a repair report describes the damage. Together, the evidence needs to answer what the insurer is checking. [1][2]
Keep these points in mind
- A missing receipt does not automatically mean a rejected claim.
- Keep ownership, value and the event separate.
- Keep originals even when you add a copy.
STEP BY STEP
How to check your cover
Describe the item so it can be identified
Write down the make, model, approximate purchase year and what you know about the price. Include a serial number or other identifying detail if available. Mark estimates rather than filling a gap with a definite statement.
Look for order confirmations, warranties, purchase agreements, bank statements and earlier photos. A gift or second-hand purchase may need a different explanation from a shop purchase. Ask the insurer what it needs for the particular item.
[1][2]Gather evidence supporting the value
Distinguish what you paid from how the item is valued after a loss. Age, condition and the policy's valuation rules may affect the amount. A valuation certificate can help for particularly valuable items. Keep records of repairs or modifications too.
A photo or payment can contribute without answering the whole question on its own. Check which item the payment relates to. Connect the model, dates and other records so the insurer can follow which item you are claiming for.
[3][2]Document what actually happened
Note when you discovered the damage and what you personally saw. Separate observations from assumptions. Keep photos, any police report and other relevant documents. Contact the insurer and ask what it needs before discarding damaged belongings.
The claim and evidence need to describe an event the policy may cover. Proof of ownership does not, by itself, show how an item was damaged or disappeared. Ask for acknowledgement and keep what you send.
[4][2]Keep originals and send relevant copies
Keep original files somewhere they will remain available if a phone is lost. Preserve a photo's original file when making a copy. The insurer may need more than what appears in a screenshot.
As one insurer-specific example, If's home terms say that photographs alone need support from other documentation and digital images must contain metadata. This is a reason to check the insurer's requirements, not a shared rule for every policy.
[5]
A receipt is not a compensation decision
Even when the purchase is established, the insurer needs to assess the cover and what happened. Check the policy period, exclusions, excess and any limits. The purchase price does not promise an equal payment.
If the insurer considers something insufficient, ask for a specific explanation. Is ownership, the model's value or the event unclear? That question helps you add evidence for the right part without sending everything again.
[3][4]Connect the evidence to the question in Claim check
In Claim check, you can add relevant evidence to a case, such as a receipt or photo. The file picker supports PDF, JPEG and PNG. Limits are eight files, 8 MB per file and 24 MB in total; a PDF may have up to 20 pages. Check information read from a receipt before confirming it.
Claim check processes images and removes metadata. Keep the original separately for your insurer. Adding a file does not automatically prove a condition is met, and nothing is sent automatically to the insurer.
Keep your own copy outside the case
The case's retention period and final date are shown in Claim check. Read that information before adding evidence. The service is not a permanent receipt archive; keep the documents you need outside Forsio too.
You can delete a case or withdraw consent for the cases covered by it. A copy you have already downloaded remains with you. Add only what is relevant and avoid including information about somebody else unnecessarily.
Fictional example
Three records, three different questions
Sam has a damaged computer but cannot find the shop receipt. No compensation has been decided.
- Purchase and ownership
- Order confirmation and bank statement
- Model and condition
- Serial number and earlier photo
- Cause of damage
- UnverifiedThe insurer needs a description and relevant evidence.
The records complement one another. Being able to trace the purchase does not itself confirm that the event is covered.
Common questions
Can I receive compensation without the original receipt?
It may be possible. Receipts are one way to establish ownership and value, but photographs, bank statements and statements from others may also contribute. What is sufficient depends on the evidence and case; no single document guarantees compensation. [1]
Is adding a receipt in Claim check enough?
No. Claim check does not automatically send a claim or attachment to the insurer. You need to report the incident yourself and provide what it requests. Keep originals and check your case's retention period in Forsio.
MY FORSIO
Keep your terms close when something happens.
Bring your policies together in My Forsio and read relevant evidence in Claim check. Free for individuals. Keep your own originals and copies.
Sources and references
Sources checked
This guide explains general principles of Swedish insurance. Your policy schedule and terms set out what applies to you.
- Konsumenternas: An original receipt is not the only way to establish ownership
- Swedish Consumer Agency: Evidence when reporting damage or theft
- Konsumenternas: Establishing ownership and value, valuing belongings
- Konsumenternas: Reporting a claim and what needs to be shown
- If: Home insurance terms, evidence and photographic documentation