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Claims Procedure

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It is a requirement of the policy condition that in the event of any occurrence which may give rise to a claim, you notify Insurers immediately and provide them with full information of the loss as soon as possible thereafter.

The “Golden Rule” to follow in the event of an occurrence which may give rise to a claim:- “Notify us immediately and act as if you are uninsured and as far as possible minimize the loss

MOTOR

1.    Take all details of the location and the cause of the accident.
2.    If a third party is involved exchange your particulars and vehicle details.
3.    Never admit liability.
4.    In all cases of bodily injury, report to the police immediately.
5.    Remove the vehicle to a place of safety.
6.    Notify us of the accident as quickly as possible.
7.    Complete a Claim Form and send it to us.
8.    Send the vehicle to a garage approved by the insurance company.(Comprehensive Policies only) and send it to us.  Do not authorize repairs without prior approval of your insurers.
9.    Obtain police abstract report and send it to us as soon as possible.
10.    All third party claims must be reported to us.  Any correspondence received from third party or third party lawyers must be sent to us unanswered or unacknowledged.
11.    Driver’s detailed statements is required.
12.    Drivers copy of driving license is required

BURGLARY

1.    Notify police immediately.
2.    Notify us as soon as possible.
3.    Obtain police abstract and send it to us.
4.    Complete a claim form and submit it to us as soon as possible.
5.    Repair damaged doors or windows to avoid further losses.

MARINE

1.    Advise us of the loss immediately.
2.    Call loss adjuster immediately.
3.    Forward to us the following documents:-
(a)    Original certificate or cover note.
(b)    Original or non-negotiable Bill of lading.
(c)    Original invoice and packing specification.
(d)    Port documents.
(e)    Consignment notes.
(f)    Survey report.
(g)    Correspondence exchanged with third parties.

FIRE

1.    Notify us immediately. For a big fire, we would like to visit the scene of the fire when still burning.
2.    Complete a claim form and send it to us or give us detailed statement of the fire.
3.    Assess the value of the claim and advise us as soon as possible.
4.    All correspondence and documentation for the claim should be channelled through us.  Avoid direct communication with Insurers or loss adjusters as much as possible.

ALL RISKS

1.    Notify us immediately.
2.    Complete a claim form and send it to us as soon as possible.
3.    Provide supporting documents as far as possible to us.

HOUSE OWNERS AND HOUSEHOLDERS

1.    In case of burglary or theft notify police immediately.
2.    Notify us as soon as possible.
3.    Take immediate action to minimize the loss.
4.    Complete a claim form and send it to us as soon as possible.
5.    Prepare estimate of cost of repairs and send it to us.
6.    Provide supporting documents as far as possible to us.
7.    In case of any third party claim forward all the correspondence to us unanswered.
8.    In case of injury to domestic staff covered under the policy notify us immediately.
9.    In case of fire notify us immediately.
10.    Provide us with detailed statement of the cause of fire.

COMPUTER

1.    Advise us immediately.
2.    Complete a Claim Form and send it to us as soon as possible.
3.    Provide us with estimate of cost of repairs in all cases.
4.    Incase of theft advise police as soon as possible.
5.    Give us police abstract report.

MONEY

1.    Notify police.
2.    Obtain police abstract.
3.    Advise us immediately.
4.    Complete claim form and ascertain the loss.
5.    Provide supporting documents as far as possible.
6.    Give us detailed statement.

GROUP PERSONAL ACCIDENT

1.    Advise us as soon as possible of the accident.
2.    Complete a Claim Form and forward it to us.
3.    Submit medical bills to us.
4.    Advise us date of resuming work.
5.    In case the sum assured is based on salary/earning advise us of the salary/earning immediately after the accident.
6.    Obtain Doctors report and send it to us.
7.    In case of death obtain death certificate.

WORK INJURY BENEFITS ACT

1.    Complete 4 copies of form DOSH.

(a)    Send 2 copies to the doctor.
(b)    One copy to Labour officer.
(c)    One copy to us.

2.    Doctor will complete part 11 of the form and return to you.

(a)    One copy to Labour officer.
(b)    One copy to us.

3.    Labour office will complete form LD 180 and will make assessment and give the award.  When received send it to us immediately.
4.    Send all medical bills to us.
 
PUBLIC LIABILITY

1.    Advise us immediately of any circumstances that are likely to give rise to a claim.
2.    Give us as much as possible the details of the incident.
3.    Complete a claim form and return it to us.
4.    All correspondence received from third party should be forwarded to us unanswered.
5.    Do not engage your own legal defence without consulting us.

FIDELITY GUARANTEE

1.    Advise us immediately you discover of any event which might give rise to a claim.
2.    Carry out thorough investigations.
3.    Advise police immediately.
4.    Withhold any money due to defrauding employee.
5.    Submit detailed claim form to us as soon as possible with all supporting documents.

EMPLOYERS LIABILITY

1.    Advise us immediately of any occurrence which might give rise to a claim.
2.    Make detailed report of the accident.
3.    All correspondence received from the injured employee or his lawyer should be forwarded to us unanswered.