How to submit a claim

The sooner you notify us, the quicker we can help you. Please take note of these important time limits:

• Report your claim or any incident that may lead to a claim to us as soon as possible, but no later than 30 days, after any incident.
• This includes incidents for which you do not want to claim right away, but which may result in a claim in the future.
• Give us all documentation relating to your claim as soon as possible. You can drop us an email at [email protected]

• If you have been involved in a car accident, you must report it to the police within 24 hours, even if there is no damage to your car or motorbike.
• If you have suffered a theft, hi-jacking, burglary or any crime related event, you must tell the police immediately after becoming aware of the incident.

We need a copy of:

• The police report.
• The police case number.
• Your statement to the police.
• Details of the police station and attending officer.
• A detailed list of all items lost, stolen or damaged.
• Any other relevant documentation.
• Details of any third party involved in the incident, if applicable.

We need to know if there’s any other insurance policy that covers the same incident.

Please tell us immediately if:

• You become aware of any possible prosecution, legal proceedings or claim that could be lodged against you as a result of the incident.
• Any other relevant or new information comes to light regarding the incident that you claimed for, even if this information only surfaces after you’ve submitted the claim, or if the claim’s already been finalised.

Never permit any replacement or repairs that we haven’t authorised yet. Get our written approval first before disposing of any damaged property, or repairing or replacing any losses you may have suffered. Failure to do so may lead to your claim being rejected.

You need to act on, or take note of, the following:

• Pay your excess, plus any additional excess amounts (if applicable) stated on your policy schedule.
• The excess amount that you have to pay will consist of:
  • The basic excess amount that applies to each specific insured incident/item.
  • Plus any additional excess amounts that may be applicable for some of the insured incidents or circumstances, the details for both of which are noted on your policy schedule.
• Excess amounts are payable even if you didn’t cause the incident.
• Assist us, where possible, in recovering losses from the third parties responsible for the loss or damage. We’ll reimburse you for any reasonable extra expenses you incur for this purpose.
• Comply with our instructions and requests as and when we need your assistance.

Any repairs or replacements must be completed within 3 months of your claim being settled.

Never admit guilt or offer a settlement to any other party involved in an incident in which you are involved. We won’t be bound by any such admission or offer that you make.