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
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
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.
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
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
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