CLAIMS PROCEDURE:::

All insurance policies have claims conditions that impose certain requirements. A failure to meet these can lead to problems obtaining a full settlement or, in some cases, getting any payment at all.
Your basic responsibilities where a claim or accident reporting incident arises are:

• To report the incident to us, your insurer immediately;
• To take all reasonable steps to minimize the loss;
• To advise the authorities, where appropriate;
• To co-operate with us, your insurer in any investigation including the supply of supporting evidence;
• To act at all times in good faith; and
• Where damage to another person or their property is concerned (for example in the case of motor accidents), to never admit liability to anyone and refer any correspondence received direct to us and unanswered.

Making a Claim
When loss or damage occurs, it is useful to make a written note of the basic facts, such as the time of discovery or when the incident occurred. Best do this as soon as you can as the memory quickly fades.
The following notes are designed to help you more specifically with most of the typical claim types:

• Damage to Property
• Theft of Property
• Loss of Money
• Motor Accidents
• Motor Theft
• Employers Liability - Injury to Employees

Damage to Property

Make a list of the damaged property and find as much as you can in the way of documentary evidence to support of the amounts claimed, such as receipts or repair estimates.
If damage is extensive we will arrange for a Loss Adjuster to attend to you immediately.
Theft of Property (Burglary)

Make a list of the lost or damaged items and find as much as you can in the way of documentary evidence to support of the amounts claimed, such as receipts or repair estimates.
Notify the Police of the incident.
Loss of Money

Documentary evidence (such as cash withdrawal slips) showing the exact amount of money stolen will be required.
Notify the Police of the incident.
Motor Accidents

At the scene of the accident obtain details of:

• Third parties names and addresses;
• The registration number of any vehicles involved; and
• Whenever possible, the name and address of any witness to the accident.
• Photographs of the accident (Most mobile phones come with cameras these days)

It is a requirement that all accidents are reported as soon as possible, even where there is no damage to your vehicle. Any accident involving injury needs to be reported to the Police.
Always have your Policy Number to hand when contacting us, and please take a note of our claim reference number.
Any correspondence received from third parties, or their representatives, should be forwarded immediately, unanswered, to us, your insurer for attention. We sometimes have only a limited time to respond to third party correspondence, so it is essential that this is done quickly.
 Motor Theft

Theft of a vehicle should be reported immediately to the Police and as soon as possible to us, your insurers. The law stipulates that we wait a period of up to 3 months to see if the vehicle is recovered, prior to making a settlement offer.
The original Vehicle Registration Certificate, purchase receipt and details of any finance/lease agreement etc need to be passed to us to enable us set a value on the vehicle.