Property Claim
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN WRITING

Mostly these claims will arise from losses involving events such as:
● Fire
● Storm
● Flood
● Explosion
● Theft / Burglary
● Malicious Damage
● Breakage – Accidental Damage
● Impact by Vehicles

If something happens to cause loss of or damage to your property:

1. Take all necessary precautions to protect property from further loss or damage.
2. Call the police or other emergency services as required. Any loss by theft or wilful or malicious damage should immediately be reported to the nearest police station and details of the attending police noted.
3. If you suspect that the loss or damage may exceed the policy deductible, obtain all details you can –
● Of the incident;
● Of the amount of loss;
● Of any witnesses.
4. Contact your Insurance Broker immediately for instruction on how to handle the claim.
5. Complete Claim Form documentation (ensuring your ABN No. and Input Tax Credit entitlement are included) and all claims documentation as soon as possible after the occurrence whilst details of the incident is still fresh in the minds of all concerned.

Drivers Accident
Checklist &
Guide:
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN WRITING

The following is the driver procedure to be kept in the glove box of each vehicle. This information is supplied to assist in having the client vehicle repaired as soon as possible, and to assist the client insurer, where appropriate, to recover the cost of the client repairs from the other driver involved in the accident. It will also assist the insurance representative in the client’s own office to prepare the necessary claim
form.

At the scene of the accident:

1. DO NOT ADMIT LIABILITY.
2. Comply with police reporting requirements.
3. If another vehicle is involved, obtain:
(i) The owner’s name, address and telephone number.
(ii) The driver’s name and address.
(iii) The name of the owner’s insurance company.
(iv) The make, type and registration number of the vehicle.
(v) The name and address of any witnesses.
4. If the driver carries a camera, it can be beneficial to photograph damage to both vehicles and the accident scene.
5. Notify the insurance representative in the client’s own office immediately and assist him or her in completing a claim form.

Motor Claim
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN WRITING
PROCEDURE FOR “OWN DAMAGE” CLAIMS

1. Obtain a quotation for repairs from two reputable repairers.
2. Where the vehicle is undriveable, have it towed to a place of repair.
3. Take photos of the vehicle and respective damage.
4. Send the above through to your broker and assist with the completion of your
claim-form.
5. Await further advice.

SETTLEMENT

Unless otherwise instructed, repair accounts will be settled directly with the repairer by your Insurers. Settlement of claims in respect of vehicles which are deemed to be a total loss will be made with you and/or your financier, depending upon whether any amount is owing on the vehicle. If required, you will be instructed when to pay your excess.
PROCEDURE FOR THIRD PARTY PROPERTY DAMAGE CLAIMS (NO INSURANCE INVOLVED):
Under no circumstances should any liability to third parties be admitted. Details of claims from third parties should be forwarded immediately to your Insurance Broker.
If a Third Party is at fault and the claim is below your deductible or you do not wish to claim under your insurance, proceed as follows:
1. Obtain a quotation for repairing your vehicle.
2. Send a Letter of Demand and the repair quotation to the Third Party.
3. Keep a copy of the quotation and the letter.
4. If the Third Party pays the cost of repairs the matter is settled.
5. If they ignore the letter of demand, you should send a second letter about seven (7) days after the first one.
6. If they ignore the second letter, we advise referring the matter to your solicitor.

PROCEDURE FOR THIRD PARTY PROPERTY DAMAGE CLAIMS:

At the scene of the accident:
6. DO NOT ADMIT LIABILITY.
7. Comply with police reporting requirements.
8. If another vehicle is involved, obtain:
(ii) The owner’s name, address and telephone number.
(ii) The driver’s name and address.
(iii) The name of the owner’s insurance company.
(iv) The make, type and registration number of the vehicle.
(v) The name and address of any witnesses.
9. If the driver carries a camera, it can be beneficial to photograph damage to both vehicles and the accident scene.
10. Notify the insurance representative in the client’s own office immediately and assist him or her in completing a claim form.

Liability Claim
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN WRITING

Upon the happening of any incident likely to give rise to a claim, the following procedure should be implemented:
1. All reasonable steps should be taken following an occurrence to protect the person or property from any further injury and damage.
2. Obtain all details you can –
● Of the incident;
● Of the Third Party;
● Of the witnesses.
3. In all cases, contact your Insurance Broker immediately for advice on how to handle the matter.
4. Do not give any interview or make any statement to a loss adjuster or other person investigating any accident of damage UNLESS such person is acting on behalf of your Insurer or your own organisation.
5. No correspondence should be entered into with a third party except acknowledgment of receipt of the claim. The acknowledgment letter should read as follows:
“Without Prejudice”
We acknowledge receipt of your correspondence concerning the incident at
This is receiving our attention.
6. Forward all letters of demand, writs / summonses to your Insurance Broker immediately you receive them.

Professional
Indemnity Claim:
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN WRITING

An important feature of any Professional Indemnity and Directors’ & Officers’ Liability policy is the “claims made” basis of cover. Essentially these forms of cover
require immediate notification of:
● A claim against an insured
● Any circumstances which may give rise to a claim under the policy.
If such circumstances are not reported to the insurer prior to expiry of the period of insurance, the insurer is not bound to provide indemnity under the policy. In order to ensure that any entitlement to indemnity is preserved, your insurer must be advised of any incident which may give rise to a claim immediately when it comes to your attention and prior to the expiry date of the policy.
Notification should be given to your Insurance Broker who will then:
● Advise what action should be taken
● Notify insurers on your behalf.

Theft Claim
If you have experienced a theft of your contents or stock, with or without malicious damage, please follow the below procedure:

1. Take all necessary precautions to protect property from further loss or damage.
2. Call the police or other emergency services as required. Any loss by theft or wilful or malicious damage should immediately be reported to the nearest police station and details of the attending police noted.
3. If you suspect that the loss or damage may exceed the policy deductible, obtain all details you can –
● Of the incident;
● Of the amount of loss;
● Of any witnesses.
4. Contact your Insurance Broker immediately for instruction on how to handle the claim.
5. Complete Claim Form documentation (ensuring your ABN No. and Input Tax Credit entitlement are included) and all claims documentation as soon as possible after the occurrence whilst details of the incident is still fresh in the minds of all concerned.

Corporate Travel
Claim
1. EMERGENCIES

Identification Cards & Phone Applications have been issued to identified overseas travellers and should be carried whilst travelling. These cards contain a telephone number for emergency assistance. The service includes:
● Medical Insurance verification
● Payment guarantees to hospitals
● Emergency Medical Advice (24 hours per day)
● Case Management if hospitalised
● Cost containment and control
● Hospital discharge planning
● Arrangement of evacuation home

2. NON-EMERGENCIES

A claim form should be prepared and sent to your insurer (ensuring your ABN No. and Input Tax Credit entitlement are included) as soon as possible.
Overseas travellers must report losses to the local police or responsible officer of any aircraft or vessel on which he / she is travelling.

Additional Information

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Postal: PO Box 2387, Graceville QLD 4075
Address: 2/306 Oxley Road, Graceville QLD 4075
Phone: (07) 3279 6592

Email: admin@hunterbroking.com.au, claims@hunterbroking.com.au

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