Insured Claim Requirements

A. COMPREHENSIVE COVER

1. Collision

• Maritime Accident Report Claim Form
• Estimate / Statement of Repairs
• VAT letter (Available at the VAT office  @ Lower St. Vincent St. P.O.S.). Requirements:
  • Completion of VAT 605 Form 
  • Insured's B.I.R. # 

2. In the Event of a Write Off / Total Loss

• Recent Certified Copy of Ownership (within last 6 months)
• Insurance Certificate and Affidavits 
• Two (2) forms of I.D. - (I.D. card / D.P. / Passport)
• All Keys (if necessary)
• Two (2) signed transfer forms (if necessary) - stamped in the case of a company
• Letter authorising person to conduct / transfer (if company)

3.  FIRE AND THEFT COVER:

Where a loss results from either Fire or Theft, the following steps should be taken:-

THEFT CLAIMS:

1. Incident must be reported to the Police Authorities immediately with full particulars
2. Report matter to your Insurance Company
3. Insurers would have the matter investigated
4. Documents required would be as follows: VAT Letter, Certified Copy of Ownership and 2 forms of Identification
5. Two (2) signed & stamped transfer forms
6. Keys, if not stolen with vehicle
7. Insurance certificate or affidavit (if certificate is stolen)
8. Letter authorising individual to transfer - in the case of a company

FIRE CLAIMS:

Where the loss results from Fire, the procedures involving Comprehensive cover should be followed.

B.  THIRD PARTY COVERAGE:

1. Where you are at fault in the accident: -
   1. The resultant damages to your vehicle is for your own account
   2. Refer all persons including passengers who have suffered injury following the accident to your insurance company
2. Where you are not at fault in the accident: -
   1. Obtain a detailed estimate of the cost of repairs to your vehicle
   2. Obtain a letter from your own Insurance Company confirming the type of coverage held on your vehicle
   3. Submit your claim (Estimate and Letter) to the Insurance Company of the negligent party for settlement
   4. Documents required for processing of your claim would be as follows: VAT Letter, Certified Copy of Ownership and 2 forms of Identification

General Information

The following guidelines will be of general application in view of the many different types of policies available

1. In the event that a loss occurs through a criminal act e.g. theft, malicious damage etc., the Police should be informed immediately.
2. Take steps to protect your property from further loss or damage but DO NOT DISCARD OR DESTROY any of it before your insurer and the Police view it.
3. Report the loss promptly to your insurer and complete the Relevant Loss Report Form giving full details of the incident and items lost or destroyed.
4. Usually your insurer will arrange for a loss adjuster/investigator to investigate, quantify and agree legitimate claims presented. Please give the adjuster/investigator your full co-operation and assistance so that the matter can be quickly resolved.
5. Your insurer will discuss settlement of the claim under the terms of your policy based on their assessment of the damages
6. Where you are not the negligent party in the accident we will proceed to recover from the liable party's insurer.  You are obligated to co-operate in this regard. When a full recovery is made you will be refunded your uninsured losses and your NCD (No Claim Discount) would be reinstated.
7. Should you receive any letter, writ or other documents in connection with any claim you must ensure these are forwarded immediately to your insurer.

NOTE

Do not authorize repairs to your vehicle unless you have your insurer’s agreement or the cost of such repairs is within the Authorized repair limit or Excess stated in the Policy. 

Claim Forms available to download and print:

• Windscreen Claim Form
• Accident Report Form

The Maritime Financial Group strongly supports and advocates controls and
measures that eliminate the abuse of alcohol and other substances.

© 2004 The Maritime Financial Group
Last Updated: August 2008