Claim Procedure: Some Important Factors:

Some Important points to be kept in mind in the event of loss or damage indemnifiable under an insurance policy:

• Loss or damage should be reported to company immediately.

• On receipt of claim intimation, the company will appoint Govt. Licensed Surveyor to investigate / assess the loss.

• The claimant should extend full co-operation to the surveyors and provide all requisite details / documents as required the surveyors.

• On agreement of the loss amount an acceptance letter obtained and the survey report is issued.

• In case the loss is not established, it would for the insured to prove that the loss or damage had occurred due to the peril in insured.

• On finalization of the survey report, the claim settled.

• Claim Reporting Procedure:

• Fire:

• The Loss or damage should be reported to the company immediately

• All possible steps / measures be taken to mitigate / minimize the loss

• The Fire Brigade should be timely called.

• FIR may be lodged with the nearest Police Station

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Marine Import :

• If a loss/damage is suspected before taking delivery of the consignment at the Port of discharge, the Local Shipping Agents as well as Insurers should be informed immediately to arrange a joint Survey of the consignment.

• All possible steps/measures be taken to mitigate/minimize the loss.

• The claimant should extend their full Co-operation to the Surveyors by providing Copies of Bill of lading- Shipping invoice- packing list- Bill of entry to the attending Surveyors immediately to record their findings.

• If shortages are caused due to Short Supply or wrong Supply, the insured should immediately take up the matter with their Suppliers.

• Insured to submit claim bill.

• Letter of Subrogation where necessary./p>

• Motor-Own Damage:

• The Loss or damage should be reported to the company immediately

• Completed motor Accident Report Form

• Estimate of repairs

• Police report in cases involving death and bodily injury

• Police report in cases involving death and bodily injury

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Satisfaction Note/Discharge Voucher to facilitate settlement

• Motor Theft:

• The Loss or damage should be reported to the company immediately

• IslamabadCompleted Motor Theft Claim Form.

• Original Vehicle License/Sworn Affidavit

• Purchase Receipt/ Performa Invoice

• Ignition/Boot Keys

• Police Reports (Interim and Final)

• Motor Insurance Certificate

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Burglary :

• The Loss or damage should be reported to the company immediately

• Completed Burglary Claim Form

• Purchase Receipts of stolen items

• Police Report

• Internal Investigation Report

• Statement of Claims

• Estimate of repairs for damaged doors, etc

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Group Personal accident / Workman's Compensation :

• The Loss or damage should be reported to the company immediately

• Completed Claim Form

• Excused Duty Certificates

• Discharge Certificates

• Medical Report

• Death Certificate

• Medical Expenses

• Pay Slips for 3 months immediately preceding the accident

• Motor Third Party :

• The Loss or damage should be reported to the company immediately

• Completed Motor Accident Report Form

• Estimate of Repairs

• Evidence of Existence of Insurance Cover (Insurance Certificate)

• Statement of Claims, Medical Expenses, Loss of Use

• Death Certificate/Medical Report (if applicable)

• Power of Attorney

• Police Report in Cases of death or bodily injury

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Public Liability :

• The Loss or damage should be reported to the company immediately

• Completed Claim Form

• Estimate of Repairs, if property

• Purchase of Receipt

• Statement of Claims

• Medical Report/Death Certificate

• Police Report

• Medical Expenses

• Power of Attorney

• Tax Clearance Certificate

• Write of Summons

• Correspondence from Solicitors

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Fidelity Guaratee :

• The Loss or damage should be reported to the company immediately

• Completed Claim Form

• Internal Investigation Report

• Accounting Records to prove loss

• Police Report

• Names of Guarantors/Referees

• Terminal Benefits

• Court Proceedings

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Money :

• The Loss or damage should be reported to the company immediately

• Completed Claim Form

• Police Report

• Statement of Claims

• Accounting Records in support of claim

• Internal Investigation Report

• Estimate/Purchase Receipts of sale(s), if covered

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher

• Goods In Transit

• The Loss or damage should be reported to the company immediately

• Completed Claim Form

• Location and status of salvage

• Particulars of driver

• Particulars of conveying/transit vehicle

• Delivery Way Bills

• Police Report

• Internal Investigation Report

• To extend full co-operation and assistance to the surveyor appointed by the company for expeditious settlement of claim.

• Discharge Voucher