Claims

Claims:

The Innov8ions Financial Services Team is dedicated to making the claim process a lot less stressful than the incident that caused your loss or damage.

What is a claim?

When you make a claim on an insurance policy, you are formally notifying the insurance company that you have suffered a loss or damage that you believe is covered by the policy and you are requesting action. The insurer will review your claim and see if the event or circumstances are risks covered by the policy. You will need to provide proof it is a genuine claim and the insurer will need to be certain the claim satisfies the terms and conditions of your insurance policy.

Important information to note:

• PLEASE NOTE THAT ON ALL CLAIMS YOU HAVE 30 DAYS IN WHICH TO SUBMIT THE CLAIM, OTHERWISE YOUR CLAIM COULD BE REPUDIATED.
• In event of a possible claim, don’t accept any liability, as it might invalidate the policy. It is the insurers right to defend any potential claim against them.
• Unpaid premiums will result in an invalid claim.
• Depending on the type of claim, you will be required to submit documentation as follows:

Motor vehicle accident claims:

Documents required:

• Completed claim form
• Quotes for repairs - depending on your insurers requirements you may require two quotes (call our Client Service Consultants for confirmation)
• Copy of legible and enlarged drivers licence
• All 3rd party claims will require a letter from the 3rd party’s insurer stating that they will not lodge a claim against their own policy.
• Photos of damages to own and / or third party vehicle/s
• SAPS case number if third party is involved

Write off – Company owned vehicle:

Documents required:

• Original Certificate of Registration and Deregistration depending on write off code
• 2 x Certified Signed Change of Ownership forms
• Spare Keys
• Certified copy of business registration number certificate (BRNC)
• Certified copy of company proxy letter
• Certified copy of company proxy ID
• If on hire purchase or lease - Settlement letter
• Proof of renewed license if expired
• Should the vehicle have personal number plates, Insured must release the plates at the license department and send us proof of the new disc
• Purchase document and supporting documentation of costs incurred to prepare the vehicle for sale (applicable only if stipulated in the policy schedule)

Documents required for write off vehicle claims (may change depending on licensing department)

Write off – Personal name:

Documents required:

• Original Certificate of Registration and Deregistration depending on write off code
• 2 x Certified Signed Change of Ownership forms
• Spare Keys
• Certified ID for owner of the vehicle
• Certified copy of the Driver’s ID
• If on hire purchase or lease - Settlement letter
• Proof of renewed license if expired
• Should the vehicle have personal number plates, Insured must release the plates at the license department and send us proof of the new disc
• Purchase document and supporting documentation of costs incurred to prepare the vehicle for sale ( applicable only if stipulated in the policy schedule)

Documents required for write off vehicle claims (may change depending on licensing department)

Stolen vehicle - Company owned vehicle:

Documents required:

• Original Deregistration Certificate
• 2 x Certified Signed Change of Ownership forms
• 2 Set of Keys
• SAPS 21 letter - must be obtained from the police station the case was reported to
• Certified copy of the Driver’s ID
• If on hire purchase or lease - Settlement letter
• Proof of renewed license if expired
• Should the vehicle have personal number plates, Insured must release the plates at the license department and send us proof of the new disc
• Purchase document and supporting documentation of costs incurred to prepare the vehicle for sale (applicable only if stipulated in the policy schedule)

Documents required for stolen vehicle claims (may change depending on licensing department)

Stolen vehicle - Personal vehicle:

Documents required:

• Original Deregistration Certificate
• 2 x Certified Signed Change of Ownership forms
• 2 Set of Keys
• Certified copy of the Driver’s ID
• If on hire purchase or lease - Settlement letter
• Proof of renewed license if expired
• Should the vehicle have personal number plates, Insured must release the plates at the license department and send us proof of the new disc
• Purchase document and supporting documentation of costs incurred to prepare the vehicle for sale (applicable only if stipulated in the policy schedule)

Documents required for stolen vehicle claims (may change depending on licensing department)

Glass /windscreen claims:

Please call our office (011) 476 1016 to ascertain the claims procedure for glass/ windscreen claims is, as each insurer claims process differs.

Non-motor claims:

Documents required:

• Proof of existence of items if stolen
• Quotation for replacement/repair
• Damage report – If applicable
• SAPS case number if stolen
• Copy of the Alarm’s activation report (where a burglar alarm warranty applies)
• Written confirmation of blacklisting (cell phone and tablet claims)
• Proof of forcible and violent entry and or exit must be sent when applicable

Liability – Defective Workmanship claims:

Documents required:

• Job card
• Letter holding insured liable (claim first made in writing)
• Certificate of Registration (locus standi)
• Quote for repairs
• Damage report