CLAIMS

MOTOR AND HOUSEHOLD POLICIES 

In order for Trafalgar Financial Services (TFS) to provide all of our clients with world-class claims service delivery, we require your active involvement and assistance in the claims procedures. 

This document is intended to assist TFS clients with basic information and procedural guidelines for the correct reporting and formulation of insurance claims. This document does not form part of the underlying contract of insurance. The scope is in respect of general property damage / loss claims only. 

Compliance with the procedures and requirements will facilitate the efficient processing of all claims. 

GENERAL CLAIMS PROCEDURES 

In the event of a loss you should: 

- Always take all necessary and reasonable action to prevent, or minimize the loss;

- Notify TFS of the loss as soon as reasonably possible thereafter;

- Submit your formulated claim as per the guide below within 30 days of the loss;

- Provide any assistance required by TFS, the relevant insurer and the assessors / adjustors handling the claim;

- Retain any damaged property (salvage) for the relevant insurer;

- Always report any incident involving criminal activity to their local SAPS and obtain a Case Reference Number;

- Never admit to their potential liability and refer any correspondence in this regard directly to TFS.

- Record the details of any Third Party potentially involved in the loss;

- In accordance with the guidelines provided below, the appropriate type of claim form should always be fully and legibly completed, dated and signed by the insured client or their authorized representative. The necessary supporting documentation should be included with the claim form. 

SPECIFIC CLAIMS PROCEDURES 

PROPERTY LOSS / DAMAGE 

These claims typically include insured damage to property covered by the Household, Building or All Risk Sections of the policy.

In addition to the general procedures above the following additional procedures must be adhered to, or the additional supporting documentation provided: 

In cases where the damage:

Can be repaired -
- Confirmation from a repairer, a supplier or reputable company, confirming the cause of the damage.

- Original purchase invoice or other suitable proof of ownership

- 2 x independent repair quotations / invoices.

- Confirmation of any Lightning protection / UPS devices if damage caused by lightning or surge 

Cannot be repaired 

- Confirmation from a repairer, a supplier or reputable company, confirming the cause of the damage;

- Confirmation that the damaged property cannot be repaired together with the reason;

- A supplier’s quote for the salvage, or estimation of the value thereof;

- Original purchase invoice or other suitable proof of ownership;

- 2 x independent replacement quotations / invoices;

- Confirmation of any Lightning protection / UPS devices if damage caused by lightning or surge; 

Theft of property (including Money) 

- SA Police Services Case Reference Number;

- Security Company’s report on the alarm activation and response;

- Original purchase invoice or other suitable proof of ownership;

- 2 x independent replacement quotations / invoices;

- Cell phones: blacklisting certificate;

- Money spreadsheet showing cash takings and credit card slips;

- Money petty cash slips for payments made;

- Certificate from reputable supplier detailing the damage and the cause thereof ; 

LIABILITIES

In cases where an incident occurs:

Involving loss / damage / injury to a Third Party - 

- Never admit fault, responsibility or Liability;

- Assistance should be provided to any injured persons;

- Submit a written and signed record / statement by the parties to whom it was reported or who witnessed the event.

- Details of any disclaimers or indemnities signed by the third party, and any own risk notices at the premises where the

  event occurred and / or it’s parking / pool areas should be supplied;

- Third party’s letter of demand or correspondence must be submitted URGENTLY 

Resulting in a summons being issued to the client 

- Never admit fault, responsibility or Liability;

- Ensure that the summons is received by TFS within 24 hours of the receipt thereof;

- Ensure the date and recipient of the summons received is recorded on the summons; 

MOTOR LOSSES 

In cases involving damage to / theft of the vehicle:

- Two quotes for repair or write-off

- Copy of the drivers ID + Drivers License

- Police case reference number

- Keys if write-off or theft

- Original Deregistration certificate if write-off

- Two change of ownership papers if write-off

- HP details from bank if financed

- Proof of installation of security device (Gearlock / Immobilisor / Tracking Device) 

In cases involving damage of / injury to a third party / property

- Never admit fault, responsibility or Liability;

- Third party details if other vehicle / property or pedestrian involved

- Witness details or statements from any witnesses if possible 

This document does not form part of the insurance contract and the insurer’s rights in this regard are reserved