Claim Tips

• Never accept liability
• All incidents must be reported immediately
• Always secure all damaged property
• Take all reasonable steps to mitigate loss
• Never abandon damaged property

Property Tips

• Buildings and contents should be insured at the present replacement cost.
• Buildings values should be inclusive of professional fees,debris removal etc.
• VAT may be deducted from a claim settlement if your company is VAT registered.
• Penalties exist during a claim should you underinsure.
• Valuables are fully covered only when supported by valuations.
• An itemized list of contents including electronics, supported by models and serial numbers are required.
• Items away from premises and in the open must be noted.
• As an employer you must provide a safe working environment & supervision for employees.
• Do not renovate or relocate without first informing your broker/insurer.

Motor Tips

• A list of all drivers should be noted on the proposal form.
• All drivers’ licenses must be current & endorsed to drive the category of vehicle
• Non-nationals must obtain a visitor’s permit.
• Drivers must be 25years with at least 2-3years experience
• If young and inexperience drivers are undeclared very high excesses/deductibles are applied.