Motor Claims Processing
Motor Claims Procedures are as follows;
- Report to the police.
- Contact Star Assurance and fill the specific claim form.
- Do not settle or negotiate to settle, admit or repudiate any claim without our consent.
- Forward all relevant documentary evidence in respect of the loss.
- Forward all claims, writs of summons or letters from third parties to us unanswered.
Who is entitled to make a claim?
- The insured (policy holder)
- The third party whose property has been damaged by our
insured's vehicle
- The injured victim
- Administrators of a deceased estate
- Parents/guardians in the case of minor
Period within which to make a claim
- Injury/death - up to three years from the date of the accident.
- Damage - up to six years from the date of the accident.
Some circumstances under which your motor claims will be
repudiated
- If your vehicle was driven without your consent, order or permission.
- When an unlicensed driver was driving
- When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
- Where there was a change of ownership on the vehicle without reference to us.
- Using the vehicle whilst the driver was drunk.
- Using the vehicle for unauthorized purposes.
Relevant documentation required when liability has been
fully established Motor
- Own damage
- Report the loss to the insurer and fill the accident report form.
- Attach a copy of the driver’s license.
- Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
- Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
- Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
- Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
- Police report would be required, depending on the circumstances leading to the loss.
2. Property
damage claim
- Letter of claim
- Police Report
- Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
- Provide pictures of the damaged vehicle.
- Provide driving license of the insured’s driver.
3. Injury
cases
- Letter of claim
- Police Report
- Medical report
- Original receipts of Medical Bill incurred (To justify the cost being claimed for)
- Sworn
Affidavit
- Two
(2) passport-size pictures of the injured victim endorsed by the doctor
who treated the victim.
4. Deceased
(death) cases
- Letter of claim
- Police Report
- Death Certificate/Burial permit/Post-mortem report
- Letters of Administration
- Personal Particulars of the deceased
- Sworn Affidavit
- Endorsed passport size pictures of Administrators (two each).
In all cases, a discharge form which states the agreed
quantum (amount) will be issued by the insurance company to the insured or
claimant for execution and forwarded back to enable us process the cheque.
Related Articles
Non-Motor Claims Processing
Non-Motor Claims Procedures; Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance claim has its own specific claims procedure and conditions which are ...Motor Insurance Policy Types
Under our motor portfolio, three types of cover are available to our valued clients namely: Third-Party Policy This covers bodily injury and death to third parties e.g. passengers, pedestrians and other road users. The sum insured is unlimited. We ...Travel Claims Procedure
Obtain Property Irregularity Report if your luggage is lost or damaged by an airline. Call Cega Air Ambulance for all emergency health care assistance. Any loss of money or personal effects must be reported to the police within 24hours and a written ...Claims
Insurance claim, just like any accident are inevitable. When it happens these steps should be followed; Quickly inform us about the loss by logging into e-insurance, phone call, email or in person As much as possible provide every accurate detail ...How to make non-motor claim?
Notify the insurer immediately the loss occurs.(Failure to report on time may lead to repudiation of the claim) Visit the insurance company offices, your broker, agent or the company’s website for relevant claim form. Complete and return same to the ...