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How to make a claim

It is important that you tell us when you become aware of any circumstances which may result in a claim.

If you call us and we require you to complete a claim form, we must receive the completed claim form
within 30 days.

You can call us on 0800 506 506.

How we will look after your claim

When you contact us to make a claim we will:

? process your claim within the terms of the policy
? explain how the claims process works
? explain what we need to go ahead with your claim
? if required, arrange for an assessor to inspect the damage and explain the procedure that will

be followed
? keep you updated on your claim’s progress
? give you all the information you need on how we will settle your claim
? if we decline your claim, we will clearly explain why

How we will settle your claim

We will arrange for the repair, replacement or pay for the loss, once your claim has been accepted.

We may choose to repair the damage or pay the amount of the loss up to:
? an amount equal to the reasonable cost of repairs as assessed by us; or
? the market value of your vehicle; or
? the sum insured shown in the certificate of insurance,
whichever is less.

If you pay your premium by instalments and your vehicle is a total loss you must pay the rest of the
annual premium before we settle your claim. However, if you insure your replacement vehicle with us, we
will credit the rest of the paid annual premium to your new policy.

We may make payment to an interested party (finance company, etc) if you have one registered on your
vehicle. Their receipt will discharge us completely.

We will also pay for all costs and expenses incurred by you with our approval in defending claims under
liability protection plus any costs and expenses awarded against you.

In all cases, we will not pay more than the market value, or the sum insured shown in the certificate of
insurance.

The Insurance Claims Register

The Insurance Claims Register (ICR) is an electronic register that holds a central record of claims lodged
with insurance companies participating in the scheme. These companies can view the claims history of a
customer, for the specific purpose of checking for insurance fraud.

A THIRD PARTY FIRE & THEFT INSURANCE POLICY BY

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