How to File an Insurance Claim

Your insurance policy is designed to protect you from specific losses as stated in your policy.  When you have suffered a loss or damage from a cover provided, contact your insurance company, whether you think you are at fault or not.

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You will be required to complete a claim form (most insurance companies have these forms online) and submit to the company. The insurance company will also need certain documents to be able to, either start processing the claim, or complete it.

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It is important to note that some losses require an excess/deductible.  An excess/deductible is the out-of-pocket amount you pay when you make a claim (it is not dependent on fault.) Excesses/deductibles may be in a specific dollar amount, or a percentage of the sum insured.

For example, if your claim is agreed to be $5,000 and your excess/deductible is $500.00, the insurance may pay you $4,500.00.  Or your Sum insured is $100,000 and the excess/deductible is 2%, and you have a claim for $10,000, the settlement will be as follows:

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• The excess/deductible is $2,000 (100,000x2%)

• Claim:                           $10,000

       Less deductible:         $  2,000

                                            -------------

       Claim payment:          $  8,000

                                           ========

These amounts or percentages are specified in your policy and it is a good idea to know what they are.

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Click on picture below to see the documents you may need when you are filing a claim.

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