Claims

Insurance claims refer to the formal request made by an insured individual or business to their insurance company for compensation or payment for losses or damages covered by their insurance policy.

Motor Accident

  1. Record the location where the accident occurred, including any relevant details such as road conditions, traffic signals, and weather.

  2. Determine the cause of the accident and take note of any contributing factors, such as driver error, vehicle malfunction, or road hazards.

  3. Notify us immediately of the accident, providing all relevant details, including the time and location of the incident, and the extent of any injuries or damages.

  4. If a third party is involved, never admit liability. Instead, take detailed information about the third party, including their name, contact details, and insurance information.

  5. Obtain a repair estimate from a reputable garage and send it to us for approval before authorizing repairs.

  6. Complete a claim form and submit it to us, along with any supporting documents, such as an original police abstract, a copy of the logbook, and a copy of the driver’s valid driving license.

  7. If there are injuries involved, obtain an inspection report from a medical professional to support your claim.

Burglary

  1. Ascertain the amount of the loss and notify us as soon as possible. Time is of the essence in such situations.

  2. Make an official report to the police and obtain a police abstract, which should be forwarded to us for our records.

  3. Complete a claim form and submit it to us, along with any supporting documents, such as the police abstract.

  4. Compile an inventory of the items that were stolen or damaged during the break-in. Include details such as the make and model of each item, its estimated value, and any relevant purchase or warranty information.

  5. If there is any damage to your property as a result of the break-in, obtain a repair quotation and send it to us for approval before proceeding with repairs.

Money

  1. Report the loss to the nearest police station as soon as possible. This will help to identify any potential suspects and provide a record of the incident.

  2. Ascertain the amount of the loss and advise us as soon as possible. Time is of the essence in such situations.

  3. Complete a claim form and forward it to us. This will help us to process your claim quickly and efficiently.

  4. Send us any relevant documents in support of the loss of cash, such as bank statements for the three months before the loss, sales invoices, or other documentation that can help to prove the source of the cash. This will help us to verify the loss and ensure that your claim is processed accurately.

Fidelity Guarantee

  1. Advise us immediately upon discovering the loss or having reason to believe that fraud or dishonesty has occurred. Time is of the essence in such situations.

  2. Notify the police authorities for further investigation to be carried out. This will help to identify the perpetrators and gather evidence for any legal action that may be taken.

  3. Withhold any monies due to the fraudulent employees. This will prevent them from benefiting from their fraudulent actions.

  4. Submit a completed claim form to us, showing the net amount of the loss. This will help us to process your claim quickly and efficiently.

  5. Send us reference letters for the suspects from their previous employers. This will help us to build a better understanding of their character and history.

  6. Obtain a police abstract and forward it to us. This will provide further evidence of the fraud and help to support your claim.

  7. Provide us with a termination letter for the suspect, as well as a copy of their ID and appointment letter. This will help us to verify their identity and employment status.

Fire & Consequential Loss

  1. Notify us immediately about the damage. Do not begin any repairs or replacements without first obtaining authorization from your insurance company.

  2. Complete a claim form and send it to us. This will help us to process your claim as quickly as possible.

  3. Obtain a repair or replacement estimate and advice from a qualified professional. This will help to ensure that any repairs or replacements are carried out properly and safely.

  4. Compile a breakdown or costing of the amount being claimed and forward it to us. This will help us to accurately assess your claim and ensure that you are reimbursed for any damages that you have suffered.

Motor Windscreen Claim

  1. Replace the damaged windscreen. This will help to ensure that your vehicle is safe to drive and avoid any potential hazards on the road.

  2. Complete a claim form and forward it to us with the following documents:

  • An original replacement receipt with Electronic Tax Register (ETR) to prove the cost of the replacement.
  • A copy of the logbook to confirm vehicle ownership.
  • A copy of the driver’s valid driving licence to confirm their identity.

Medical

  1. Report the matter to us immediately. The sooner we are aware of your situation, the sooner we can begin processing your claim.

  2. Complete the claim form and attach the following documents:

  • Original receipts to prove the expenses you have incurred.
  • A doctor’s prescription note to confirm the necessity of the treatment you received.
  • A laboratory request to confirm any diagnostic tests that were done.
  • Any other supporting documents that may be relevant to your claim.
  1. Submit your claim form and documents to us. We will review your claim as quickly as possible and let you know the outcome.

Machinery Breakdown

  1. Advise us immediately about the damage. The sooner we are informed about the situation, the sooner we can begin processing your claim.

  2. Complete the claim form and send it to us along with a detailed estimate of the damage as soon as possible. This will help us to process your claim quickly and efficiently.

  3. Obtain an engineer’s report. This report will provide an expert assessment of the damage, which will be useful in processing your claim.

  4. Submit all relevant documents to us. We will review your claim as quickly as possible and let you know the outcome.

Marine

  • Original or non-negotiable Bill of Lading.
  • Invoices.
  • Packing specifications.
  • Mombasa Port Release Order (MPRO).
  • Consignment Notes.
  • Survey Reports.
  • Any correspondence exchanged with third parties.
  • Import entry.

Work Injury Benefits Acts

  1. Report any fatal claim to the director of occupational health and safety within 24 hours, and a non-fatal claim within 7 days. It’s important to notify us as soon as possible so that we can begin processing your claim.

  2. Complete Labour Form Dosh Part 1. This form will provide us with details about the incident, including the cause of the injury, the date and time it occurred, and the names of any witnesses.

  3. Dosh Part II should be completed by the attending doctor. This form will provide us with details about the nature and severity of the injury.

  4. Send the completed forms to the Labour Office, who will assess the claim by completing the WIBA 4 form. This form should be returned to us immediately.

  5. Obtain detailed written statements from the claimant, eyewitness, and a supervisor of the claimant. These statements will help us to understand what happened and to process your claim more quickly.

  6. Advise us immediately once an injury occurs and request a blank claim form for your completion.

  7. Complete the form and return it to us with all required documents. We will review your claim as quickly as possible and let you know the outcome.

Life Insurance

  1. Report the matter to us immediately.
  2. Complete the claim form and attach the following documents:-
  • Original death certificate.
  • Burial permit.
  • Deceased’s ID copy.
  • Any other supporting documents.

Group Personal Accident

  • If you or a loved one sustains an injury, please notify us immediately.
  • Complete the claim form and forward it to us as soon as possible. Submit medical bills related to the injury.
  • Submit copies of payslips for the three (3) months prior to the injury.

Domestic Package

  • If you experience a loss due to theft, please report it to the police station immediately.
  • Take immediate action to minimize the loss.
  • Notify us as soon as possible and complete a claim form and forward it to us.
  • In case of damage, please send us a repair estimate.

All Risks

  • In case of loss or damage to an item, it is important to notify us immediately. After notifying us, complete a claim form and send it to us as soon as possible. It is important to attach the purchase or replacement receipt for the damaged or stolen items. Additionally, if any relevant accessories were lost or damaged, be sure to send them to us as well. For example, if a phone was lost or damaged, include any accessories that were lost or damaged with the phone.