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| We believe that the true test of the value and integrity of the relationship with your insurance adviser is the provision of fast and efficient claims service and advice. To assist us in achieving this, we set out below some guidelines to follow: |
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NOTIFICATION OF CLAIMS
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All losses or incidents which may result in a claim are to be reported to us as soon as practicable after the event.The first notification should be by telephone, fax or email . As circumstances dictate and should include the following information: |
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Description of incident
Date and Time
Location where circumstances originated
Estimate value of loss
Action being taken to minimise loss
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| To advise of a notification – CLICK HERE |
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CLAIMS CONTACT DETAILS
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LOSS MINIMIZATION
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| Action should be immediately taken to protect property from further damage but no action should be taken to repair damage until instructed by us, your insurer or the Loss Adjusters. |
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OWN PROPERTY DAMAGE
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| All losses should be reported as soon as possible to us and we will arrange for either a claim form to be sent or if required a Loss Adjusters to be appointed to take whatever action is required. |
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THEFT AND MONEY
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| If the loss is due to Theft/Burglary or involves the loss of money, the Police should be contacted immediately and details kept of the officer and station notified. All losses should also be reported and the police report number advised to us as soon as possible. |
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MOTOR VEHICLE - OWN DAMAGE
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All accidents involving your motor vehicle/s should be reported immediately to either our office or the nearest office of your Insurer.
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The vehicle may be towed to the closest repairer capable of rectifying the damage.
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The claim processing is expedited if a completed claim form can be left at the repairer's premises before the visit by the Loss Adjuster.
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If there are any delays in obtaining repair authorisation of necessary service, please contact us and we will secure action.
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Your policy excess is normally paid by you to the repairer upon collection of the repaired vehicle.
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If the damage is due to the negligence of an identifiable Third Party, your Insurer will normally endeavor to recover your excess.
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Where a third party is involved, under no circumstances should any admission of liability be made.
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MOTOR VEHICLE - PERSONAL INJURY
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In cases where Personal Injury is involved, a separate claim form must be submitted to the Motor Accident Compensation insurer. Appropriate claim forms will be supplied upon request.
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No further actions direct with any Third Parties should be undertaken without instruction from Insurers.
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| A copy of the claim form should be lodged with this office for record purposes. |
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LIABILITY - PUBLIC (GENERAL) & PRODUCTS
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| In general terms no admission of liability should be made to any party in any form whatsoever. All correspondence, writs, summonses and demands should be sent to this office immediately upon receipt. |
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PROFESSIONAL RISKS - CLAIMS MADE POLICIES
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The following policies are generally issued on a 'claims made contract' include:
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- Professional Indemnity Insurance
- Directors & Officers Liability Insurance
- Management Liability Insurance
- Employment Practices Liability Insurance
- Fidelity Insurance
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Which means that the policy will respond to Claims first made against you and reported to the insurer during the Period of Insurance, specified in the policy schedule.
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| You should notify in writing any circumstances which you become aware of during the period of insurance, which could give rise to a future or potential claim, as soon as practical, within the period of Insurance. |
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