General One of my trees fell into my neighbour’s yard last night during a storm and it caused damage. Do I need to call my home insurance company to file a claim? Yes and forward all the correspondence from the third party unanswered to the insurance company. Does home insurance cover roof repair? Yes, only if the cause of loss is accidental and caused by a covered peril. Wear and tear is not covered. If My Home Was Damaged, Can I Start Repairs Right Away? First inform the Insurance company of the loss and provide circumstance that led to the loss. The Insurers will direct depending on the above. What If My Home Is Broken into? Immediately report to the police and the insurers. Take photos and give /provide a loss estimate. Insurers will advise way forward. What is an Excess in My Home Insurance Cover? This is the cost of the claim borne by the insured. If a claim is below the Excess, then it is not payable. How Do I Know If My Home Damage Is Covered? Refer to policy for cover details, conditions, and exclusions. When Should I intimate a Home Insurance Claim? In the event of accidental damage to an insured item. Refer to policy document for Claim procedure. What happens if it is just the windscreen/window glass that is broken/cracked? There are two options: a) Send us a filled Windscreen Claim Form and an LPO will be issued to one of our windscreen fitters and to replace the damaged windscreen/window glass. b) Have the Windscreen replaced and send us filled Windscreen Claim form along with the original replacement receipts with ETR receipt and photographs of the vehicle before and after replacement. Will I be required to pay excess amount if the accident was not my fault? If the police abstract clearly indicates the party to be blamed for the accident, your excess amount may be waived. What is excess amount? This is the amount of the loss as stated in the primary policy schedule to be borne by the insured in the event of a claim. Should I report any road incident involving the vehicle even if the vehicle suffers no damage? Yes, you should. Do not take risk of not notifying the insurance about the ‘minor’ incident. The other driver or third party may sue you for the incident long after the incident. What should I do if I have an accident/theft? In case of an accident or loss of the vehicle, you should immediately notify the police about the incident/loss and your insurance company. Selecting What is covered under Motor Insurance? Motor insurance provides cover for motor vehicles against accidental damage, fire damage, theft and third-party property damage or injuries. Claims How long will my claim take to be settled? This depends on timely and proper documentation of the claim. The claim will take on average 7 working days to be settled if fully and properly documented What is the motor claim process? After the claim supporting documents are received and vehicle garaged, the insurance company will appoint an Assessor to determine the costs of repairs. The garage will then be authorized to conduct repairs if the vehicle is repairable or Total Loss offer issued to insured if the vehicle is uneconomical to repair. After repairs are complete, a release letter is issued to the client after excess amount is settled by the insured. Insured then collects the vehicle from the garage after ascertaining repairs have been conducted to his/her satisfaction. The garage then invoices insurance company for the bill incurred. What documents should I provide when lodging a claim? The following documents will form part of the documentation; a. Filled Motor Claim Form, b. Police Abstract report and c. Copy of Drivers Driving License. When do I get compensated? Once we approve your claim as genuine When can I expect settlement? Once Assessment, Adjustment & Investigation or full documentation (for small claims) is received, we send the insured a discharge voucher to sign and return. Upon receipt, settlement is done. What is your claims procedure? Policy document gives a summary of the same however it will be advised according to the class of loss / damage on occurrence How and when to report claim? Report immediately or as soon as possible by calling, email or through your agent and brokers. Providers Assessment, Adjustment & Investigation? We have a panel of providers. Being our representatives, we expect our insured’s to cooperate and avail documentation in order for them to compile a reports. GA Drive Flex What if my days bundle gets depleted? Your cover will automatically be converted to third party only cover. You can, however, top up more days to get back on comprehensive insurance. What is the minimum bundle I can top upon expiry of my current bundle? The minimum top up bundle is 30 days What is the minimum number of days I can purchase at inception of cover? The minimum insurance bundle is 30 days Can I transfer my Kilometer bundles to the next renewal period? No, upon expiry of insurance period your bundles expire automatically. What if I deplete my Kilometer bundles? Your cover will automatically be converted to a third party, fire and theft. However, you have an option of toping up more Kilometers for comprehensive cove What is the minimum kilometers I can top up upon expiry of my current Kilometer bundle? A minimum of 1,000 Kilometers. What is the minimum kilometers I can purchase at inception? A minimum of 2,500 Kilometers Can I transfer a discount to a new vehicle at renewal or upon disposing off my current car? Yes, you can Will the discount be compounded at every renewal? No, every year you must unlock discount afresh. What kind of driving behaviors will you be monitoring? The telematic device will be collecting data on the driver’s acceleration, cornering, speeding, braking and impacts. Are there rewards for good drivers? Yes, good drivers have the opportunity to unlock premium discount of up to 10% on the renewal premiums.
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