Fire

Submit the completed claims form and the following:

• Photograph of the damaged property.
• Fire service report on the incident.
• Quotation from at least two reputable contractors of the insured’s choice.
• Bill of Quantity if applicable.
• Internal Investigation Report.
• Invoice/Receipt for contents only.
• Executed Discharge Voucher

Goods in Transit

Submit the completed claims form and the following:

• Photograph of the accidented vehicle with goods.
• On the spot inspection report.
• Statement of Claim
• Delivery way bills/invoice
• Vehicle roadworthiness
• Current price list of the damage goods
• Police Report
• Contract Agreement with Carrier
• Driver/motor boy’s written statement.
• Purchase receipt/invoices if applicable
• Executed Discharge voucher.

Theft/Burglary

Submit the completed claims form and the following:

• Police Report
• Written statement of security Guards on duty at the time of the loss.
• Stock cards for contents only.
• Copy of the written agreement between the claimant and contract security company if applicable.
• Purchase receipt/invoice of the stolen items.
• Estimate of repairs for damage to doors, keys etc.
• Executed Discharge Voucher
• Photograph

Group Personal Accident (GPA)

Injury claim

Submit the completed claims form and the following:

• Medical Report
• Medical bills/receipt
• Excuse duty Certificate
• 2 Months Payslip Prior to accident
• Executed Discharge Voucher
• Photograph

Death claims

Submit the completed claims form and the following:

• Death Certificate
• Letter of Administration (Optional)
• Two-month payslip prior to accident (where applicable)
• Death/Burial Certificate
• Executed Discharge Voucher
• Photograph/publication

Employer Liability

Submit the completed claims form and the following:

Injury claims 

• Medical Bills/Receipts
• Medical Report
• Excuse Duty Certificate
• 3 Months Pay slip prior to the month of injury
• Medical Report Stating percentage of disability if any
• Executed Discharge Voucher
• Photograph
• Discharge Certificate

Death claims

• 3 months’ pay slip prior to month of accident
• Death Certificate
• Post Mortem Report
• Burial Certificate
• Police Report
• Deed of Discharge (Discharge Voucher)

 Consequential Loss (Loss of Profit) Claims

• Audited Account for at least two years prior to the loss
• Letter of Claim
• Statement of Claims
• Completed Claim’s form
• Internal Investigation Report
• Executed Discharge Voucher

Money Insurance

Submit the completed claims form and the following:

• Police Report
• Letter of Claim
• Account book to prove quantum of loss
• Written statements from the affected staff
• Executed Discharge Voucher
• Internal Investigation Report (incorporated in Loss Adjusters’ Report)
• Photograph

Marine/Aviation Cargo

Submit the completed claims form and the following:

• Original policy or Certificate of Insurance
• Original or copy of shipping Invoices together with shipping specifications and or weight notes.
• Original bill of lading and or contract of carriage
• Survey Report of documentary evidence to show the extent of loss or damage.
• Short landing Certificate issued by the carrier or Arrival Port Authorities
• Discrepancy Certificate issued by the carrier or Arrival Port Authorities
• A copy of correspondence exchanged with the carriers and other parties regarding their liability for the loss or damage.
• Executed Discharge Voucher

Fidelity Guarantee

Submit the completed claims form and the following (interim and final):

• Police Report
• Internal Investigation Report
• Copies of queries issued to the employees involved and replies.
• Stock/Account’s record (if applicable)
• Written Statement from the affected employee
• Evidence of the culprit’s final entitlements.
• Evidence of Prosecution
• Executed Discharge Voucher

Contractor All Risk

Collapse claim

Submit the completed claims form and the following:

• Surveyor’s Inspection Report
• Estimate of Loss
• Structural Plan
• Loss Adjusters Report or In-house Adjustment Report
• Executed Discharge Voucher
• Photograph

General Liability

Third Party Property Damage (TPPD)

Submit the completed claims form and the following:

• Letter of Claim from the third party
• Police Report
• Estimate of Repairs
• Loss Adjusters Report or Internal Investigation Report/Adjustment.
• Invoice/Receipt where applicable
• Executed Discharge Voucher

 Liability – Injury

Submit the completed claims form and the following:

• Police Report
• Medical Report
• Medical bill/Receipt
• Evidence of earnings (pay slips)
• Evidence of age
• Executed Discharge Voucher

Liability – Death

Submit the completed claims form and the following:

• Death Certificate
• Burial Certificate
• Evidence of income (pay slips, etc)
• Evidence of age
• Age and status of the dependant
• Police Report
• Executed Discharge

Machinery Breakdown

Submit the completed claims form and the following:

• Purchase, Receipt for total loss claim
• Manufacturers catalogue
• Engineers’ Report
• Estimate of Repairs for partial losses
• Loss Adjuster Report
• Inspection Report
• Discharge Voucher

Erection All Risk

Submit the completed claims form and the following:

• Contract Agreement
• Estimate of Repairs
• Purchase Receipt/Invoice
• Engineers/Loss Adjusters Report
• Structural Design/Plan
• Executed Discharge Voucher
• Photograph

Bonds

Submit the completed claims form and the following:

• Letter of notice of non-performance/default from the Principal
• Demand notice and Estimate of Claim
• Acknowledgement/Response of the alleged Defaulting Contractor
• Negotiation for extension of expiration period of bond (where necessary)
• Estimate of job done to date by a valuer/quantity surveyor where necessary
• Joint reconciliation of the Extent of Work Not Performed
• Negotiation of performance option
• Executed Discharge Voucher for Ascertained Liability
• Contractor indemnify – invocation of letter of indemnity