FAQs

1 WHAT IS AN INSURANCE CLAIM?

An insurance claim is a request made by the policyholder of the insurance company for compensation for a covered loss or policy event.

2HOW DO I MAKE AN INSURANCE CLAIM?

To make an insurance claim, you typically need to:

• Contact your insurance company.
• Fill a claim form that will provide details about the incident.
• Submit any required documentation or evidence, such as photos and reports.
• Follow up if necessary until the claim is processed.

3WHAT DOCUMENTS ARE NEEDED FOR AN INSURANCE CLAIM?

Common documents required include:

• A completed claim form.
• Proof of loss or damage (photos, receipts, etc.).
• Police reports (if applicable).
•Any other document that may be required depending on the loss suffered and Policy type.

4HOW LONG DOES IT TAKE TO PROCESS A CLAIM?

The time it takes to process a claim varies depending on the type and complexity of the claim, as well as the insurance company’s procedures. It can range from a few days to several weeks.

5 CAN MY INSURANCE CLAIM BE DENIED?

Yes, claims can be denied for several reasons, such as:

• Lack of coverage for the claimed event.
• Failure to pay premiums.
• Inadequate documentation.
• Policy exclusions.

6 WHAT CAN I DO IF MY CLAIM IS DENIED?

If your claim is denied, you can:

• Request a detailed explanation from us.
• Provide additional evidence or documentation if necessary .
• Appeal the decision.

7 WHAT SHOULD I DO IF MY VEHICLE IS INVOLVED IN AN ACCIDENT

• Ensure the safety of the vehicle
• Involve the Police if necessary
• Exchange information with the other driver(s).
• Document the scene with photos.
• Contact your insurance company to report the accident.

8 WILL MY INSURANCE PREMIUM BE INCREASED AFTER MAKING A CLAIM?

Making a claim can potentially lead to higher premiums, especially if you are found to be at fault. However, this varies from insurer to insurer and the specifics of the policy.

9 WHAT IS AN EXCESS IN AN INSURANCE CLAIM?

An excess is the amount a policyholder has to pay towards the overall cost of his/her insurance claim. If you make a claim and its accepted, your insurer will pay the amount over and above your excess amount up to the Sum Insured or the limit applicable.

The Excess is a pre - agreed amount at the inception of the policy.