- Do NOT admit liability
- Obtain names and contact details of other persons involved
- Report ALL incidents/ claims immediately
- Do not abandon damaged property, Take all reasonable measures to secure it
- Make every effort to mitigate your loss
- Retain a copy of any statements given to the police
- Record name, badge number and station of attending police officer(s)
- Record details of any loss, damage or injury and take photographs if possible
- Ensure you can identify the insurance company of the third party’s vehicle
- Report automobile accidents and burglaries/ thefts to the police immediately
- Seek to quantify your loss by providing costs/ values or estimates for repair
MOTOR
- Declare all known drivers as undeclared drivers may be subject to above standard policy deductible/excess
- Drivers’ licences must always be valid, Remember renewal is in your birth month
- Valuations are required for comprehensive cover at renewal and inception
- Road Worthy Certificates are required for vehicle eight (8) years and over
- Immediately notification should be given if you take your vehicle off the road
PROPERTY
- Your sum insured should always reflect replacement cost as claims are paid on this basis
- Include professional fees and debris removal in your sum insured
- Include VAT in your sum insured
- Keep fire- fighting equipment updated
- Install security measures as much as possible to take advantage of any discounts.
LIABILITY
- Provide a safe environment for your employees
- Make sure that all areas open to the public are safe
- Take the necessary health and safety precautions
ALL CLASSES
- Give notice of any changes in contact details immediately
- Declare any changes to the risk as soon as possible
- Renewals should be confirmed on or before your renewal date to ensure your coverage remains in force
