Insurance Advisernet is wholeheartedly committed to providing fast and efficient claims services and advice. Should you need to make a claim your first contact should always be with your Insurance Advisernet Broker. As your trusted business advocate, they will be able to explain what you need to do, and when, to ensure the swiftest possible claim resolution. In many cases they will also be able to complete much of the claim process for on your behalf, saving you time and unwanted stress.
Insurance Advisernet: Our Claims Management Philosophy
- Act fairly in the interests of our clients in the event of a claim
- Assist our clients to understand overly technical policy interpretations
- Assist our clients to reduce the cost and the number of claims through effective risk management strategies
- Assist our clients through difficult times
In the event of a claim, we will:
- Provide our clients with the insurer’s claim form if needed
- Arrange for the loss assessor to be appointed if applicable
- Advise on the completion of the claim form
- Provide advice to ensure clients have received their full entitlements
Notification of Claims
All losses or incidents which may result in a claim should be reported as soon as practicable after the event to your Broker. The first notification can be by telephone, fax or email and they will guide you through the steps you should take and get a claim form to you to complete if required.
Some initial steps you can take include:
- Take photos of the incident
- Get witnesses’ details if there is potential liability involved
- Take all reasonable steps to minimise the loss/damage and protect your property if needed
- Notify the police if burglary or theft is involved
HOUSE AND CONTENTS CLAIMS
Fire – if your house is damaged/destroyed by fire this can be a very traumatic experience but the most important thing is to protect yourself and your family. Do not try and save any personal possessions, focus on making sure everyone is safe and accounted for. Call 111 for the fire brigade and follow their instructions, then call your broker so they can make contact with your insurer.
Other damage eg storm, flood – the first step is to secure your property and take any reasonable steps to clean up what you easily can. Take photos before you start and keep notes of what you do for the insurance company. Call your broker and depending on the extent of the damage they will arrange for a loss assessor to attend.
Burglary/ Theft – report the incident to the police and follow their instructions. Once they have finished take photos before you tidy things up and secure the house. If you need to get a builder/glazier to secure the house do so and then contact your broker to advise them of the incident. Start making a list of the things that have been stolen.
MOTOR VEHICLE CLAIMS
Windscreen – most comprehensive insurance policies cover damage to glass without an excess. Call Smith and Smith on 0800 809 081 or Novus (www.novus.co.nz for your local dealer) and organise repair or replacement. They will need to know the name of your Insurer and your policy number.
Accident – for minor incidents take details of the third party, take photos of the damage to both vehicles including the number plate of the other vehicle and details of any witnesses who make have seen the incident.Don’t admit liability for the accident if you can avoid it. If the vehicle can still be driven and no one is injured then you can leave the scene and call your broker to make a claim. If the vehicle cannot be driven then have it towed to a storage yard and call your broker to get the claim registered and assessed.
For more major accidents it is likely the police will attend and collect a lot of the information needed for the claim. If you are able to get the officer’s details and take photos. Call your broker as soon as you can to report the claim.
COMMERCIAL PROPERTY CLAIMS
Minor damage – take photos, secure the property and report the incident to your broker to lodge a claim.
Major damage – call your broker immediately or if not available contact Loss Management International (LMI) on 0800 001 964 and tell them you broker’s name and details of the incident. Follow their advice. If it is a fire the fire brigade will have attended and should secure your premises once the fire is extinguished.
Burglary/ Theft – report the incident to the police and follow their instructions. Once they have finished take photos before you tidy things up and secure the premises. If you need to get a builder/glazier to secure the premises do so and then contact your broker to advise them of the incident. Start making a list of the things that have been stolen.
Should you receive a demand, writ, summons or notice of claim immediately advise your broker. Do not respond to anything until you have spoken to your broker and got their advice.
If an incident occurs and it is obvious you are responsible try to avoid admitting liability (it can prejudice your insurance cover) but take photos and contact your broker as soon as possible.
Liability claims can be complex and expensive, so it is best to keep notes of conversations/meetings and gather as much information as possible for the insurance company to assist with the claim.