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Claims Management
Claims management is the carrying out of the entire claims process with particular emphasis on the monitoring and lowering of claims review, investigation and negotiation. A claim is a request to be reimbursed (or compensated) filed by the insured and addressed to the insurer.
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Documents Required When Liability Is Accepted
Injury Cases; Deceased (Death) Cases; Property Damage Claim
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How To Make Non-Motor Claims
In the event of any occurrence which might give rise to a claim the Insured shall:
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Period Limit Within Which To Make A Claim
- Injury/Death - up to 3 years from the date of accident
- Damage - up to 6 years from the date of accident
NOTE: Write a letter of claim directly to us as soon as practicable but within the above stated period.
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Some Circumstances Under Which A Claim May Be Repudiated
- Where an unlicensed person was driving
- Where there was no insurance cover at the time of the accident
- Where there is change of ownership of the vehicle insured
- Statute barred claims; that is, where the claim was not submitted within the period stated in 3 above
- Using the vehicle without the Insured's consent
- Using the vehicle for unauthorized purposes
- Using the vehicle whilst the driver is drunk
- The police report is needed to help establish liability
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What The Insured Should Do When An Accident Occurs
- Always report accidents to the Police Report to us and complete an accident report form
- Submit a photocopy of the driver's license
- Submit all claims, writs and letters unanswered to us
- Do not admit liability, or make any payment or offer of payment without our consent
- Do not effect repairs before we inspect the damage to the vehicle.