Claims

Claims Procedure: 

When an incident occurs, our role is to help you navigate the claims process as efficiently as possible. Timely reporting and accurate documentation are the most effective ways to help us facilitate a fair settlement on your behalf. Please ensure that you are aware of the claims reporting requirements in terms of your policy.

How to Initiate a Claim

We recommend submitting all claims directly through our offices to ensure you receive proper guidance from the start.

• Notification: Please notify us of a potential claim through your representative as soon as reasonably possible. Most insurers require formal submission within 30 days of the event. Please note that some policies may have shorter time periods (such as before the renewal).

• Documentation: Insurers generally require a completed claim form to gather all necessary details and a formal declaration regarding the loss. You can download the relevant forms below or contact us for assistance. 

• Supporting Evidence: Along with the claim form, additional documentation (such as quotes, photos, or reports) may be required to process your request.

Essential Guidelines for Policyholders

To help protect your interests and comply with policy conditions, please keep these points in mind:

• Police Reports: All thefts, losses, and motor accidents must be reported to the South African Police Service. Motor accidents, in particular, should be reported within 24 hours. 

• Admission of Liability: It is critical that you do not admit liability or make any offers of settlement to third parties. Please forward any correspondence or legal demands from third parties to us immediately so we can handle them on your behalf.

• Third-Party Details: In the event of an accident, always attempt to collect full details, including names, contact numbers, and vehicle registration numbers of any other parties involved.

• Insurer’s Rights: Under the subrogation clause, the insurer may take over your rights to recover losses from a third party. Additionally, the insurer typically reserves the right to decide whether to settle a claim through repair, replacement, or a cash payment.