PROPERTY DAMAGE
(A) Own damage
(B) Third Party Property Damage
 
(A) OWN DAMAGE
The insured should upon the occurrence of any accident, loss or damage
(a) Give written notice to the Insurer (the company)
(b) Complete a motor accident form and return it  together with a police report, estimated cost of repairs and photographs of the damage vehicle
 
(B) Third Party Property Damage
The claimant should submit to the company, an estimated cost of repairs, receipts, photographs, a police report with a covering letter.

OBLIGATIONS OF POLICY HOLDER
(A) Completion of proposal form
(B) Should keep vehicle in proper condition.
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DUTIES AND OBLIGATIONS OF INSURER
(A) To issue certificate of insurance
(B.) To issue policy
(C) May examine vehicle for it’s road worthiness.
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RENEWAL
A renewal notice is sent to the insured getting to the expiry of the policy. If no claim was made during the period, the insured is entitled to a discount. A certificate of insurance is issued. Request for your renewal notice
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CLAIMS
Immediate notice should be given to insurer of all losses / Incidents that may lead to a claim. All accident must be reported to the Police as Police Accident
Report is an important document used to access a claim.
 
BURGLARY INSURANCE
CLAIM PROCEDURES
1.   Give immediate written notice to the insurer, and also notify the police as soon as possible.
2.   Take all practicable steps to discover  the suspected person's
3.   Furnish evidence and proofs as required by Insurer

PUBLIC LIABILITY
CLAIMS PROCEDURE
(A) All incidents that may lead to a claim should be immediately
reported to the insurer.
 
(B) Since the policy only pays for legal liabilities, investigations
are conducted to ascertain whether insured is legally liable
for the loss or damage.
Upon certifying it self, the claim is settled subject to the set limits.
 
GOODS-IN-TRANSIT
CLAIMS PROCEDURE
If the loss or damage was due to theft or accident of the vehicle, it must be immediately reported to the nearest police station.
The incident is then reported to the Insurance Company which issues a claim form to be completed and returned. After investigations, the claim is then accessed and settled.
 
FIRE AND EXTRA PERILS
CLAIM PROCEDURE
1. Give prompt notice of the loss to the insures.
2. Protect property from further damage.
3. To prepare an inventory of the goods that had  been lost in fire.
4. To supply a proof of loss form duly completed.
 
WORKMEN COMPENSATION
 CLAIMS PROCEDURE
All accidents must be reported to the labour office. All accidents or occurrences that may give rise to a claim must be reported immediately to the insurer. The Labour Office determines the amount of compensation.
 
CONTRACTORS’ ALL RISK
CLAIMS PROCEDURE
1. All accidents that may lead to a claim are to be reported to Insurer
2. Claim form is then completed
3. The insurer then investigates the claim and settles if satisfied.

MARINE CARGO
CLAIMS PROCEDURE
1. The insurer must be informed promptly of the loss or damage which may give rise to the claim.
2. This is then followed by full documentation of the claim
3. The claim is usually investigated by the claims adjuster
4. After satisfying itself, the company settles the claim
 
MARINE HULL
CLAIMS PROCEDURE
1. All accidents that may lead to a claim are to reported to the insurance company
2. Claim form is completed
3. Accident is usually referred to average adjuster
4. Claims are usually settled based on reports by average adjusters

ERECTION ALL RISK
CLAIMS
Detection of any thing that may lead to a claim must be reported to the insurer
Experts may be appointed to investigate the source of the fault.
Claim is settled after the insurer has satisfied himself.
 
PROFESSIONAL INDEMNITY
CLAIMS PROCEDURE
The keynotes in dealing with claims in general especially Personal Injury are:-
1. Prompt and thorough investigation.
2. Settlement as early as possible