Claims Report Form
  Public Liability Claim Form
  Employers' Liability Claim Form
  Property Damage/Loss Claim Form

Introduction

For most cases, the claims process can be fairly straightforward once the validity of the claim has been established. For larger claims, a loss adjustor will be appointed by the insurance company. Although their fees are paid by the insurance company, they are a professional group that is independent. One of their responsibilities is to ensure the claimant receives all they are entitled to, and no more. They will do the following:

• establish that an insured event has taken place
• establish that the insured event is covered by a current and valid insurance policy
• establish the cause of the claim
• establish the insured cost impact of the claim

If a claimant appoints a Loss Assessor to establish the cost of a claim, their fess will be paid by the claimant and can't be recovered from the insurer.

The claims procedure will be detailed in your policy documents, but if in doubt, call Abbott Insurance for help and advice.

You should keep all supporting documentation for preparing your claim.

Some reasons claims are rejected

This is no-where near an exhaustive list but is simply intended to give a few examples of reasons that claims can be rejected

The event was not an insured event.

• loss of stock following a break-in but no stock is covered on the policy
• A vehicle is stolen but only Third Party cover is in place
• An employee is injured but no Employers' Liability cover is in place
• Professional negligence by the builder is not covered under Public Liability insurance.

The conditions of the policy have not been met.

• key locked windows were not installed despite being required,
• stock was not not stored 6" above floor level
• the driver of a vehicle was not insured to drive
• Failure to set the intruder alarm when the property is unoccupied.

Proof of loss can't be established

• no police report was obtained following a theft
• stock records are not up to date and proof of volume and value of stock can't be established

A non-disclosure by the policy holder.

• Failure to declare a flat roof on a property
• Failure to declare a conviction for fraud
• Failure to declare a speeding conviction

Fraud

• the claimant has exaggerated losses and presented a fraudulent claim, making the WHOLE claim invalid
• the claimant has lied about the circumstances surrounding the claim
• The claimant was guilty of a criminal act that has led to the claim