Claim Procedures

Thank you for choosing us! To give you an efficient and reliable service, please provide the under listed documents at time of claim.

Motor Insurance Claims Guide

At The Scene Of Accident:

  • Do whatever you can to minimize the human and property loss that could result from the accident and make sure that the vehicle is protected from further damage. If possible, make a sketch plan of the scene of the accident showing the position(s) of the vehicle(s), road markings, etc and take pictures of the scene showing the position and damage of the vehicle.
  • If the accident results in damages to other vehicle(s), person(s), animal, or any other property: Note the registration number of the other vehicle(s) involved and the names of their owners and drivers:
    • Note the names and addresses of the person(s) injured.
    • Note the damage to animals and/or other property.
    • Ask the names and addresses of everybody else who involved including witnesses.
    • If possible, take pictures.
    • Do not admit responsibility, sign any statement to this effect, or make any offer to any Third Party. Your insurance policy prohibits you from admitting liability without your Insurer’s written agreement.

Later:

  • Report the accident to a nearby Police or any other similar Government Body immediately Notify the accident to the Head office of or any of its branches nearby immediately
  • Duly complete a claim form
  • Present a police report
  • Provide photocopies of the Driver’s Identity Card and Driving License
  • Provide photocopy of the Ownership Certificate of the vehicle
  • Settle the excess required under the Policy
  • Settle any outstanding premium (if any)
  • Settle any contribution required in respect of replacement of new parts for old (if any)

For GPA and ILLNESS/WMC Insurance

For Death compensation

  • Duly completed Claim Notification Form
  • Police Report (Which explaining the scene and circumstances of the accident)
  • Death Certificate
  • Beneficiary’s legal heirs

For Permanent Disability

  • Duly completed Claim Notification Form
  • Original medical board Proceeding
  • Payroll
  • ID Card , Passport

For Medical Expense Refund

  • Original Medical Certificate
  • Original Medical Invoices
  • Original prescription

Note:

  • Notification of claim-accident/disease should be completed & returned within seven days of the accident/disease.

For Marine Insurace (Sea Cargo)

  • Duly completed Claim Notification Form
  • Original Insurance Policy/Certificate
  • Originals or copies of Invoices
  • Packing List
  • Original Bill of Lading and/or other contract of carriage
  • Preliminary Survey Report
  • Correspondence exchanged with carriers and/or other parties regarding their liability for the loss or damage.
  • Store Goods Receiving Note
  • Truck Way Bill
  • Police Report (if accident happened during inland travel)
  • Vessel Arrival Notification Slip
  • Any other Documents which may be required by the Insurer

Note:

  • Before the occurrence of loss/damage, please inform your agent to take all the necessary steps indicated at the back of your marine policy.

For Marine Insurace (Air Cargo)

  • Duly completed Claim Notification Form
  • Original Insurance Policy/Certificate
  • Originals or copies of Invoices
  • Packing List
  • Air Way Bill
  • Truck Way Bill (if transported by third party carrier)
  • Copy of Written Protest to the Carrier
  • Store Goods Receiving Note
  • Any other Documents which may be required by the Insurer

Note:

  • Before the occurrence of loss/damage, please try to understand or to inform your agent to take all the necessary steps indicated at the back of your marine policy.