Your General Responsibilities
All insurance companies have their own claims conditions that would impose certain requirements to their polices. Failure to meet these requirements could cause problems in the event of a claim and in some instances invalidate a claim all together, highlighting the fact of checking documents received as endorsements will apply to the majority of policies.
We have comprised a basic responsibility list to assist in the first steps of claim notification:-
- Any incident must be reported to us and / or the Insurers immediately;
- You must ensure that you take all reasonable steps to minimise any losses;
- Advise any authorities where appropriate;
- Co-operate with both ourselves and the insurers at all times to ensure any investigations or queries can be completed swiftly;
- Supply supporting documentation by return when requested;
- Act in good faith at all times;
- Where damage to another person is involved (ie Liability Claims or Motor Incidents), never admit liability to anyone and refer any correspondence received direct to us or your insurers as soon as possible unanswered. Correspondence can be e-mailed and faxed to us for an URGENT response, such as court action, however admitting liability prior to insurers receiving notification could also invalidate any claim.
It is also your duty to notify us or your insurers of any incident where a claim may not immediately arise, ie in a customer slipping in your premises. You should also ensure that you or a member of staff note your accident book accordingly, with name and address details if possible as many claims may come to light several years after the incident occurs. This is also applicable in Motor Insurance Claims where both parties may take responsibility for their own vehicles, however after leaving the scene they may well change their mind or their passengers may notice the effects of the incident some weeks later.