If you are wondering how to get a quote, it is fairly simple. Just simply fill out our online form provided. You can also contact our CIC insurance brokers for more information.
GET A FREE QUOTE

 

General Claims Procedures

 

ALWAYS ACT AS THOUGH UN-INSURED

The most obvious reason for this is that the loss could in fact be uninsured. It is generally a condition of your insurance policies that you take every reasonable measure to minimize the effects of losses. You should take precautions to prevent further losses and preserve rights against Third Parties.

 

REPORT ALL OCCURRENCES TO US AS SOON AS PRACTIBLE

All incidents, including those that fall below the policy deductible, should be notified promptly. Late notification of claims to Insurers invariably causes complications and can result in rejection. Do not wait for full details of the incident before notifying us for fear of later embarrassment if it has to be withdrawn for one reason or the other. Put the ball in the Insurers’ court. Remember they are the ones who may have to pay in the end.

 

DOCUMENT PRECISELY THE CAUSE AND EXTENT OF LOSS

Accurate records should be maintained and available for review/inspection. Causes of loss are readily identifiable in many instances as being insured (or insurable) and the mere sighting of the damage is sufficient evidence, e.g. a fire. However, there are cases where this is not so and in such circumstances you may be required to prove that the cause of loss falls within the terms of the policy.

 

CO-OPERATE WITH YOUR INSURERS OR APPOINTED REPRESENTATIVES

Smooth interaction between all parties will assist in achieving the earliest possible conclusion and settlement of Insured’s losses. Such action is of course in your best interest as it facilitates prompt and fair claims settlements. The fact that we only use reputable insurance markets and are always around to assist, you can be assured of fair treatment and therefore be without reservations as to the final outcome.

 
 
 

You are required in all circumstances to submit a statement of claim with supporting evidence to establish the amount of your loss.

In most instances Loss Adjusters are appointed by Insurers to investigate and negotiate loss settlements.

IN SUMMARY :  

  1. Always act as though uninsured.
  2. Report all occurrences to us as soon as practicable.
  3. Document precisely the cause and extent of loss.
  4. Co-operate with your insurers or appointed representatives.

 

Below is a checklist of information to be provided to CIC for submission to Insurers and/or Reinsurers:
 
  • Date and time of incident, if known, otherwise time and date of discovery
  • Location of incident.
  • Nature of Incident i.e. Physical Damage, Injury to Third Party/ies, Damage to Third Party/ies etc.
  • Brief explanation of the incident, cause and effect of the incident and an initial estimate of costs involved (repairs / replacement if applicable). If any injury, then the extent of the injuries and indication as to the possible cause
  • Witness Statements from staff, third parties
  • Photographs/Videos would be an advantage, if available
  • It is vital that any damaged parts are retained and not disposed of until Insurers / Reinsurers / Loss Adjusters have had the opportunity to inspect / photograph them.
  • Do not admit liability. It is important that at no time Client admit liability for loss or damage to Third Parties