CLAIMS PROCEDURE

CASH IN TRANSIT – MONEY

  • Claim Form
  • Original Police Abstract + Receipt – theft cases
  • Sales Receipt / Purchase receipts
  • Cash Records e.g. Cash Book
  • Banking Statements
  • Expenses Records
  • Any other documents to support the loss
  • Full statements from relevant persons
  • Any other records of transactions

BURGLARY

  • Claim Form
  • Original Police Abstract + Receipt
  • Purchase documents
  • Replacement invoices & receipts
  • Repair Quotations/ Invoices/ Receipts
  • Stock Records
  • Full statement of circumstances from relevant persons
  • Any other supporting documents

FIRE

  • Claim Form
  • Accounting Records
  • Stock Records
  • Fire Brigade Report
  • Police Abstract Report if malicious persons or arsonists involved
  • Full statement of circumstances from relevant persons

DOMESTIC PACKAGE

  • Claim form
  • Police Abstract Report – theft cases
  • Purchase receipts/ replacement invoices/ repair receipts
  • Full statement of circumstances from relevant persons

PLATE GLASS

  • Completed Claim Form
  • Replacement Invoice / Receipt
  • Full statement of circumstances from relevant persons

ALL RISKS                                            

  • Claim form
  • Replacement Invoice / Receipt
  • Full statement of circumstances from relevant persons
  • Original Police Abstract + Receipt – theft cases

PERSONAL ACCIDENT

  • Claim Form
  • Medical Certificate / Report
  • Police Abstract if a road accident or an assault matter
  • Original Medical receipts
  • Pay-slips for the months prior to the accident
  • Medical Investigative documents e.g. x ray reports
  • Original Death Certificate – Death Claims
  • Post Mortem Report – Death Claims

WIBA

  • Duly completed claim form
  • Copy of current wage-roll
  • DOSH FORMS II & IV
  • Sick of Sheets
  • Discharge Summary
  • 4 months pay slips prior to accident
  • Copy of injured employee’s appointment letter
  • Report from Health & Safety Committee
  • Copy of the letter notifying the Director of Labour of the incident
  • Medical Investigative Reports – X-rays, Lab reports, Certificate, Reports
  • Medical Bills Original + ETR Receipts
  • Identification card of the claimant
  • Award on degree of disability from the labour office
  • Witness Statement
  • Payment of policy excess of Kshs. 5,000/- for each & every claim

EMPLOYERS LIABILITY

  • Duly completed claim form
  • Third Party Correspondences – Letters from Lawyers unanswered
  • Summons
  • Policy Excess Kshs. 25,000/-

GOODS IN TRANSIT

  • Claim form
  • Detailed statement of the circumstances surrounding the loss
  • Detailed breakdown of the loss
  • All supporting documents including invoices/ receipts
  • Any other supporting documents

FIDELITY GUARANTEE

  • Claim form
  • Police Abstract Report
  • Details of terminal dues owed to the defaulter
  • Referees before he was employed

ENGINEERING (ERECTION/ Contractors All Risks/ MACHINERY/ EEI/ DOS)

  • Claim form
  • Police Abstract Report – theft matters
  • Meteorological Reports ( for claims relating to natural perils e.g. weather, earthquake)
  • Bill of Repairs / Replacement
  • Fire Brigade Report – for fire claims
  • Engineers Report
  • Test reports if required by surveyors

MOTOR – OWN DAMAGE

  • Claim form
  • Police Abstract Report
  • Copy of drivers license
  • Policy excess chq

MOTOR – THEFT

  • Claim form
  • Police Abstract Report
  • Copy of drivers license
  • Policy excess chq
  • PIN certificate – copy
  • Certificate of Incorporation
  • Original Logbook
  • Transfer forms signed but undated
  • Car Keys
  • Duplicate Certificate of Insurance
  • Spare Wheel/ Jack & toolkit
  • National Identity Card – for individuals

MOTOR – WINDSCREEN / THEFT OF RADIO CASSETTE

  • Claim form
  • Replacement Invoice / Receipt
  • Police Abstract Report

MARINE

  • Advise of the loss Immediately
  • Call Insurance Company to appoint an Loss Adjustor Immediately
  • Forward the following Documents(a)    Original certificate or cover note.
    (b)    Original or non-negotiable Bill of lading.
    (c)    Original invoice and packing specification.
    (d)    Port documents.
    (e)    Consignment / pre-packing / shipping notes.
    (f)    Correspondence exchanged with third parties.

COMPUTER

  • Advise of the Loss immediately
  • Complete a claim form & send it to us immediately
  • Provide us with estimate cost of repairs in all cases
  • In-case of Theft, inform Police as soon as possible
  • Obtain Police Abstract Report & send it to us

NB.

  • IF POSSIBLE, ONE SHOULD TAKE & PRODUCE PHOTOGRAPHS OF HE SCENE BEFORE IT IS DISTURBED TO SUPPORT THE LOSS / DAMAGE.
  • THE INSURED HAS A DUTY TO TAKE MEASURES TO MINIMIZE THE LOSS
  • THE INSURED SHOULD ALWAYS PRESERVE OUR RECOVERY RIGHTS BY IMMEDIATELY ADDRESSING A DEMAND LETTER TO THE PERSONS RESPONSIBLE FOR CAUSING THE LOSS / DAMAGE
  • THE ABOVE LISTINGS ARE NOT RIGID OR EXHAUSTIVE & THE INSURERS MAY WHERE NEED ARISES REQUIRE FURTHER INFORMATION / DETAILS EITHER DIRECTLY OR THROUGH THEIR REPRESENTATIVES.
  • THE IMMEDIATE/ QUICK SUBMISSION OF ALL THE REQUIRED DOCUMENTS / INFORMATION IS STRONGLY ADVISED TO ENABLE INSURERS TO PROCESS THE CLAIM EXPEDITIOUSLY.