CLAIMS GUIDELINES
IN THE EVENT OF ANY OCCURRENCE WHICH MIGHT GIVE RISE TO A CLAIM UNDER
THE POLICY, THE INSURED SHALL:
- Immediately
notify the APG/ICnsurers by telephone as well as in writing,
giving an indication as to the nature and extent of loss or
damage.
- Notify the police
immediately.
- Take all steps
within power to minimize the extend of the loss or damage, and
to take all practical/reasonable steps to recover the property
lost.
- Co-operate with
the adjusters when called upon.
- Do Not admit
liability to Third Party.
NON-MOTOR CLAIMS SUPPORTING DOCUMENTS
A.
WORKMEN’S COMPENSATION
-
Medical
chits certifying the period of disability or Form L90.
-
Medical
Report if the period of disability exceeds 14 days.
-
Labour
Assessment if the accident is reported to the Commissioner for Labour.
-
Form
G, H or P wherever applicable (form Commissioner for Labour).
-
Wage
record of the injured workman for the last six months or it is not
available, wage record of another employee of similar occupation for
the past six months.
-
Where
claims involving serious or fatal injuries to employee/s or where
is suggestion of potential common law liability, there may be a need
on our part to appoint adjusters to investigate the accident and witnesses’
statement wherever possible are required.
-
Police
report sketch plans and photographs, if involving vehicular accident.
-
Post
Mortem and death certificate if it is fatal case.
-
Completed
Claim Form.
B.
PERSONAL ACCIDENT
-
Police
Report if involving a vehicle accident.
-
Medical
or Specialist Report wherever applicable.
(No medical report is required for PA claims less than RM250 and Sinseh
Treatment)
-
Original
Official Receipt for medical expenses.
-
Photocopy
of Identity Card (Both sides).
-
If
fatal cases, Post Mortem and Death Certificate.
-
Letters
of Administration (for individual person if there is no nomination).
-
For
serious injury or fatal cases, adjuster.
-
Driving
licence if the injured person is driving the vehicle.
-
Completed
Claim Form.
C.
HOSPITAL AND SURGICAL INSURANCE
-
Medical
Report
-
Bills
/ Invoices
-
Receipt
-
Other
supporting documents
-
Police
Report (For road accident)
-
Completed
Claim Form
D.
FIRE / HOUSEOWNERS / HOUSEHOLDERS CLAIMS
-
Police
report
-
Fire
Brigade Report
-
Chemist
Report (government) (if available)
-
Sales
/ Purchase Invoices
-
Stock
Records
-
Balance
Sheet & Profit & Loss Account
-
Quotation
for repairs / replacement
-
Photographs
of damages sustained
-
Photocopies
of all licensed for business operations
-
Audited
accounts / Personal income-tax in respect of the business for the
past 3 year
-
Completed
Claim Form
E.
MONEY / BURGLARY CLAIMS
-
Police
Report.
-
Receipts
/ Collection Records.
-
Petty
Cash records, receipt, collection record (if cash is covered under
the policy).
-
Cash
Book / Ledger / Journal.
-
Banking
Slips.
-
Other
relevant documents.
-
Photographs
of premises where entry is gained into.
-
Repair
/ Replacement bills for damages to premises, if covered.
-
Purchase
Invoices.
-
Stock
Cards (for stock claim).
-
Completed
Claim Form.
F.
ALL RISKS / ENGINEERING CLAIMS
-
Police
Report, if any.
-
Purchase
Invoices.
-
Quotation
for repairs / replacement where applicable photographs depicting damages.
-
Completed
Claim Form.
G.
GOOD IN TRANSIT CLAIM
-
Police
report lodged by driver / attendant.
-
Delivery
Order / Receipt
-
Suppliers’
Invoices
-
Packing
Lists
-
Repair
/ Replacement Bills
-
Copy
of the contract of Agreement
-
Copy
of Road-Tax Disc, Registration Card, Identification Card, Driving
Licence
-
Completed
Claim Form
H.
GOLFER’S CLAIM
-
Photograph
of damaged club / clubs
-
Purchase
Invoice / Repair Bill
-
Club
Membership Card
-
For
Hole-in-one Claim (i.e: Score Card, Letter from Golf Club confirming
the same, Entertainment Expenses (original copy)
-
Completed
Claim Form
I.
MACHINERY & EQUIPMENT ALL RISKS CLAIMS
-
Police
report, if any
-
Purchase
Invoices
-
Quotation
for repairs / replacements
-
Photographs
of damage
-
Completed
Claim Form
J.
PUBLIC LIABILITY CLAIM
-
Contract
of Agreement between Insured.
-
Police
report lodged by insured / claimant.
-
Internal
report following the discover of the loss.
-
Photograph
surrounding the vicinity & loss.
-
Completed
Claim Form.
K.
FIDELITY GUARANTEE CLAIM
-
Police
Report.
-
Copy
of Identity Card of Defaulter.
-
Copies
of letter of Appointment and termination of Defaulter.
-
Salary
/ Bonus due to the Defaulter.
-
Proof
of money / stock defaulted.
-
Name
& address of guarantor/s, if any.
-
The
defalcator’s EPF No.
-
Internal
Report stating the following:-
(a) The circumstances leading to the discovery and the follow-up investigation
action taken with the parties involved.
-
Completed
Claim Form.
L.
MARINE CLAIM
Marine
Cargo
-
Original
Marine Policy or Certificate of Insurance. (If not available. Letter
of Indemnity).
-
Original
Bill of Lading or Airway Bill (With reserve side) and / or other contract
of carriage. (If not available. Letter of Indemnity).
-
Lorry
Delivery Note / Consignment Note.
-
Supplier’s
Invoice.
-
Survey
Report or other documentary evidence to show extent of loss of damage.
-
Copies
of correspondence exchange with the Carrier, Port Authority and Forwarding
Agents regarding their liability for the loss / damage together with
their reply.
-
Claim
Bill.
-
Completed
Claim Form.
Marine
Hull
-
Class
Certificate
-
Ship’s
License
-
Safety
Equipment Certificate
-
Loadline
Certificate
-
Certificate
of Competency of Master
-
Repair
/ Salvage Bills
-
Completed
Claim Form
ADDITIONAL DOCUMENTS (Depending on the type of loss)
- Non-Delivery of Short
landed Certificate.
- Inward Survey (landing
account).
- Outward Survey.
- Copy of custom declaration.
- Packing List.
- Repair / Replacement
bills.
- Chemist’s or Laboratory
Analysis Report.
- Weight Notes / tally
sheets at loading port and final destination.
- Stowage Plan.
- Copy of Master’s Sea
Protest.
- Certified copy of the
ship’s log book.
MOTOR CLAIMS SUPPORTING DOCUMENTS
OWN
DAMAGE / THEFT / TOTAL LOSS / CONSTRUCTIVE TOTAL LOSS
- Claim Form
- Statement of Accident
– only use for motor cycle theft.
- Insured
- Driver
- Registration Card
- Police Report
- Insured’s I/C & Driving
Licence
- Driver’s I/C & Driving
Licence
- Road Tax Disc
- Policy Schedule
- Proposal Form
- Workshop Estimate
- Commercial Vehicle Transport
Permit
- Hire Purchase Agreement
- Original Photographs
- Register Bill
- Other Bills
WINDSCREEN
- Claim Form
- Registration Card
- Insured’s I/C & Driving
Licence
- Driver’s I/C & Driving
Licence
- Policy Schedule
- Proposal Form
- Original Photographs
- Repair Bill
THIRD
PARTY PROPERTY DAMAGE (TPPD) / BODILY INJURY (TPBI)
- Claim Form
- Police Report
- Insured’s I/C & Driving
Licence
- Driver’s I/C & Driving
Licence
- Registration Card
- Road Tax Disc
- Policy Schedule
- Proposal Form
- Commercial Vehicle Transport
Permit
- Compound Notice
- Submit any T/P Claimant
Letters, Notices or Summons immediately
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