Advice on claims and process
a) Motor Private/Motor Commercial- Own damage
- Duly filled & signed claim form
- Two repair invoices from two different suppliers/garages
- Copy of the driver’ s permit
- Copy of the car log book
- Claim photos
- Statement of the driver
- Police accident report
- Accident sketch map for extensive damages
- IOV report- For extensive damages
- For windscreens and minor claims, items 1-5
In case of accidental third-party death- Requirements for the beneficiary
- Letters of administration – if the deceased was 18 years and above
- Affidavit- in case the deceased was less than 18 years or birth certificate
- Copy of postmortem report
- Copy of death certificate
- Formal identification document- eg national ID
- LC1 introductory letter
- Police report
- Demand note
In case of accidental third party bodily injuries
- The original medical bills and medical reports
- The police report
- Formal identification document- eg national ID
- Demand note
b) Workers’ Compensation and Group Personal Accident
- Duly filled & signed claim form
- The original medical bills and medical reports
- Copy of signed sick leave forms
- Copy of pay slips for three months prior to the accident date inclusive of the month of injury
- Copy of the appointment letter
- Copy of the company ID
- Labour office (LD) forms- LD 31, 35, 87,78 forms or medical report indicating the level of disability attained.
- LD 31, 35, 78- Death cases
- LD 31, 35, 87- When Permanent incapacity has been awarded
- LD 31- Medical bills and temporary incapacity
- LD 31, 35, 87,78 not required if only medical bills are being claimed
c) Fidelity Guarantee
- Duly filled & signed claim form
- Internal audit report explaining how the fraud was conducted & discovered.
- Police investigation report
- Copy of employee appointment & termination letters
- Details of retirement benefits due to the employee,
- Detailed breakdown of the amount lost with supporting documents,
- Steps taken to avoid re-occurrence of a similar incident
- Advise on how much has been recovered so far
- Prosecution details of the suspect
d) Professional indemnity (PI)
i) PI , FG and Guarding All Risks for Security firms
- Duly filled & signed claim form
- Police report
- Copy of the signed guarding contract
- Copy of the internal investigation report
- Demand note
- Written response from client
- Termination letters of the guards
- Copy of appointment letters
- Details of benefits due
- Copy of the purchase invoice for stolen items
- Two replacement invoices for stolen items
e) Electronic Equipment –(EE), All Risks claims-(AR)
- Duly filled & signed claim form
- Two alternative replacement / repair quotations
- Police report (for theft cases) or police reference
- User’s statement
- Technical report explaining the cause, extent of damage and necessary recommendations
f) Burglary (BU)
- Duly filled & signed claim form
- Replacement / repair quotations
- Police report (for theft cases) or police reference
- Statement on how the loss occurred
g) Money/CIT claim
- Duly filled & signed claim form
- Police investigation report
- Audit report Internal Auditors /Stock taking Report Before and After Incident.
- Documents in support of the stolen money (Invoices, receipts & cash book)
- Statement from the person collecting or withdrawing money
- Supervisor’s statement
- Bank statement
h) Goods in transit/Marine
- Duly filled & signed claim form
- Loss computation
- Driver’s statement
- Packing list
- Delivery note
- Photos
- Police report- theft cases, accidents
- Commercial invoice
- Bill of lading
- Acknowledged letter holding transporter liable-if there is a transporter
- Copy of the transporter’s contract
i) Machinery breakdown
- Duly filled & signed claim form
- Technical report
- Maintenance reports
- Detailed breakdown of the amount lost with repair or replacement quotations
j) Travel
- Dully filled & signed Claim form
- Loss report
- Proof of ownership of the items claimed
- Replacement quotes
- Demand to the airlines and response thereto
- Flight itinerary (AIR LINE TICKET, PASSPORT COPY SHOWING VISA STAMPS)
k) PUBLIC LIABILITY INSURANCE
- Completed claim form with detailed statement of loss
- Independent witness statement if any
- Police investigation report.
- Any demand letter from the third party unanswered.
- Investigators report where necessary.
- In case of litigation the court sermons and plaint.
- Purchase/proforma/replacement invoices,
- Repair quotation if repairable
l) CONTRACTOR ALL RISKS/EAR/CPM
- Completed Claim Form with detailed statement of loss/
- Statement of user where applicable.
- Police Investigation Report where necessary.
- Purchase Invoices/ Proforma invoice / Receipts for lost or damaged property.
- Repair/Replacement quotation for damaged items, at least two
- Quantity Surveyors report/Architects/civil engineers/structural engineers report whichever is applicable.
- Handover Reports
- Testing and Commissioning Reports(EAR)
- Completion Reports(EAR)
- Technical Reports
j) FIRE/IAR
v Material Damage
- Completed Claim Form with detailed statement of loss.
- Police/fire brigade Investigation Report.
- For stock: Purchase Invoices/ Proforma invoice / Receipts or damaged property.
- At least two Repair quotations of damaged Premises from different providers
- Internal Auditors reports/Account documents /Stock taking Report Before and After Incident.
- Investigation/ Loss Assessment Report
- Consultant’s report e.g. Quantity Surveyor’s report
- Forensic Report.
v) Business Interruption
Same requirements as in above, plus
- Audited Accounts
- Business Plan/ Budget
- List of Costs (Fixed and Variable)
- Basis of calculation of Gross Profit/ Revenues.
k) Loan protection
- Duly filed and signed claim form
- The loan application form
- Loan agreement
- Loan statement
- Death certificate in case of death
- The fire brigade report in case of catastrophe
- Birth certificate in case of birth