PRESENTATION ON CLAIMS PROCESSING

CLAIMS DEPARTMENT Viateur KAYIGAMBA.

INTRODUCTION

• What is insurance?• Why should x and y persons insure their

assets using insurers?• What are the main activities of insurers?• What are the expectations of clients

from insurers?• Why can people choose insurer A

instead of Insurer B with the same product?

INTRODUCTION Cont’d

1. Simply, insurance is a way of risk transfer.2. People insure their assets for securing their assets

against the uncertainty changes of the future.3. Insurers deal with 3 mains activities; Underwriting,

Claims and Marketing.4. People by insuring their assets using insurers, firstly

expect security of their assets with the hope that by the loss occurring they may be compensated. i.e There should be a kind of trust between two parties.

5. With the perfect competition market, the customer is the king and choose with his/her preferences basing on service deliverance or Customer service.

Path of claim handlingA. For Vehicle with Comprehensive Cover1.Accident happening 2.Claim notification3.Complete the claim form4.Bring the estimate of repairs5.We do assessment report6.We issue the authority to repair to the garage7.After repairs, our assessor does the re-assessment report before the car is released from the garage.8.The client has to sign the satisfaction note in the garage and then take his car.9.The garage brings the invoice to us and we pay.10.The end of claim.NOTE: For estimates of repairs with amount above 500,000, the client is required to bring 2 different E.R from 2 garages.

Path of claim handling cont’d

• B. For a vehicle with Third Party only Cover

1. Accident happening 2. Claim notification3. Complete the claim form4. Bring the abstract Police report5. Two Possible cases; When our client is liable for the accident as per police report ; -the client deals with repairs him/herself as the contract stipulates

Itself. When the third party is liable for the accident as per police

report;- we do a transfer to the third party’s insurer, it may be SORAS, SONARWA, CORAR, PRIME,..ETC.

Required documents for Motor Claims

A. Own Damage Claims / Self involving1.Copy of ;driving licence of the person driving the car at the material time of accident(Permis de Conduire)2. Loog book(Carte Jaune) 3. Insurance Certificate (Vignette)4. Photocopy of your policy and receipt4. Estimates for repairs5. Police statement for all accidents involving third party

Important notice: Please note that the vehicle repairs should not be initiated till inspection is done and assessment is finalized.

B. Normal case(Road accidents)

i.Completed Claim Form

ii.Copy of the log book

iii.Police Abstract Report

iv.Motor Vehicle Inspection report (for third party claims)

v.Copy of the Driver’s Driving license

vi.Estimates of repairs

C. For the case of Total Loss & Theft of Motor vehicle;•Duplicate certificate of Insurance•Valuation/Assessment report •Original logbook in our insured’s name

Required documents for Motor Claims

Required documents for Motor Claims

D. Theft of motor vehicle

1.Report the theft to the nearest police station immediately2.Fill and intimate to us the theft notification form with the following supporting documents:Copy of your declaration report to policePhotocopy of person who drove the vehicle before it is stolenPhotocopy of your policy and receipt Log book or registration card/yellow cardPolice statement.

.E Vehicle attacked by Fire

• Copy of PIN Certificate• Copy of National Identity card• For companies – Certificate of

registration• Signed but undated transfer form• Spare car keys• Spare wheel, jack & spanner• For total loss surrender the salvage to

UAP P Important notice: Please don’t admit

liability and undergo any negotiation without prior written permission from your insurer. If you do so, your commitment will not bind your insurer.

CLAIM FORM COMPLETION

Motor Accident Claim Form

Important Notice 1. No Liability is admitted by issue of this form Insurer’s Claim No: 2. Neither owner nor driver may admit fault or Liability Broker Ref. No. for this Accident. 3. Do not answer communications about this Accident, Direct these to the Insurance Company for Action 4. Please let us have an estimate of repair cost 5. Repairs must not be authorised without prior authority of the

Insurance Company 6 All questions on this form must be answered * Remember: Incomplete answers will lead to delayed processing of your claim.

Insured’s Details Name_____________________________________________________________________________________________________ First Middle Last Address________________________________________________ Telephone___________________________________________ Email ________________________________________________ Fax__________________________________________________ Business or

Occupation_______________________________________________________________________________________ V.A.T.

Registration No. ________________________________________________________________________________________

Policy Policy Number ______________________________________________________________________________________________ Period of Insurance; From:____________________________________________To: _____________________________________ Date of payment of last premium _______________________________________________________________________________

Type of cover: Comprehensive TPF&T TPO Name of hire purchase or finance company (if any)________________________________________________________________

Vehicle Make & Model _____________________________________Year of manufacture_______________________________________ Reg. No. of vehicle__________________________________ Carrying capacity _________________________________________ Reg. No. of trailer ___________________________________Capacity _______________________________________________ Name and Address of Owner__________________________________________________________________________________

Use State the exact purpose for which the vehicle was being used at the time of the accident ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________

Commercial Vehicles Description of goods being carried _____________________________________________________________________________ Name of owner of goods _____________________________________________________________________________________ Was a trailer attached?_______________________________________________________________________________________ Weight of load on (a) Vehicle _______________________________________(b) Trailer(s) _________________________________

Drivers’ Details (even if it is the insured) Name______________________________________________________________________________________________________ First Middle Last Occupation ___________________________________________Date of birth__________________________________________ Address _____________________________________________________Tel No.________________________________________ Is he/she employed by you? Yes No How long has he/she been in your service? _____________________________________________________________________ Was he/she driving with your permission? Yes No How long has he/she been driving motor vehicles? ______________________________________________________________ Was he/she in any way to blame for the accident? Yes No Did he/she admit liability? Yes No Has he /she had any previous accidents? Yes No If so, how many, an approximate date? _________________________________________________________________________ Has he any conviction for any offence in connection with any motor vehicle or any charges pending?

Yes No If so, give details including dates _______________________________________________________________________________ ___________________________________________________________________________________________________________ Does he/she hold a full or provisional licence to drive this vehicle? Full Provisional If full, state date when driving test first passed ___________________________________________________________________ Number ___________________________________________________________________________________________________ Does he/she own a Motor Vehicle? Yes No If so, give name and address of Insurer ___________________________________________________________________________ __________________________________________________________________________________________________________ Driver’s Policy No.___________________________________________________________________________________________

Accident Date __________________________________________________________Time________________________________ a.m./p.m. Place_______________________________________________________________________________________________________ Type of Road Surface__________________________________________________________________________________________ Visibility_______________________________________________________Wet or Dry? ___________________________________ What lights were showing on your vehicle?________________________________________________________________________ What warning did your driver give? _____________________________________________________________________________ Estimated speed before accident _______________________________________________________________________________ Weather condition ___________________________________________________________________________________________ Did Police take particulars? ____________________________________________________________________________________ If so, give Constable’s number and station ________________________________________________________________________ To which Police Station was the accident reported? ________________________________________________________________ Attach copy notice of intended prosecution if any.

Plan Of Accident Draw sketch stating approximate measurements showing position of vehicles and persons concerned and the direction in which they were travelling. Also show type and position of traffic signs, skid marks, pedestrian crossings and any other relevant information.

Statement By Driver ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ Signature of Driver __________________________________________________________________________________________

Statement By Owner Or Insured ____________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________

Damage To Insured Vehicle State briefly apparent damage________________________________________________________________________________ (IN All CASeS

wheRe yOUR VehICle IS DAMAgeD AND yOU ARe eNTITleD TO ClAIM UNDeR yOUR POlICy, PleASe SeND

AT ONCe TO The COMPANy AN eSTIMATe FOR RePAIRS).

Repairers name and address___________________________________________________________________________________ Tel No._________________________________________________ Is the vehicle still in use? Yes

When and where can it be inspected?___________________________________________________________________________

Name ___________________________________________________ Address _____________________________________________ ___________________________________________________________________________________________________________ Passengers In your Vehicle Name ___________________________________________________ Address ____________________________________________ _________________________________________________________________________________________________ I DeClARe that these particulars are true and correct and undertake to forward immediately (and answered) any correspondence relating to this accident.

Date _________________________________Name _______________________________________________________________

Signature of Insured _________________________________________________________________________________________ ( and Stamp )

Q & AThank You!

THANK YOU

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