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A. Motor Claims

1. Accident to Your Vehicle
   • Immediately report the accident to the Police and obtain the police reference number, then contact your insurance advisor or our local branch office quoting your policy number and vehicle registration number.
   • If you have comprehensive cover, obtain at least two quotations from different vehicle repairers and send these together with a completed motor claim form and certified photocopy of the drivers license promptly to our local offices or your insurance advisor.
   • Once we have received these documents, we will authorize repairs to commence.
2. Theft of your vehicle
   • Report the theft immediately to the Police and obtain the Police reference number. Then report the loss to your insurance advisor or our local branch office.
   • To enable us to offer you a fair settlement price, we will require all the details of your vehicle; such as the make, model, year of manufacture, mileage and details of any extras on the vehicle, e.g. mag wheels.
3. Windscreens (Comprehensive cover only)
   • Submit a completed motor windscreen form obtainable from our local branch office or your insurance advisor.
   • We will then register your claim and give you a letter of introduction to a motor glass replacement company.

B. Householders contents and Buildings claims

1. Reporting your Loss
   • Report your claim to our local branch office or your insurance advisor as soon as reasonably possible after occurrence. In the event of theft or malicious damage report your loss to the Police and obtain the Police reference number.
   • When contacting us or your insurance advisor, make sure you have the following information:
   -- Your Policy Number
   -- The address of the place where the loss occurred
   -- Your day telephone number
   -- The date of the loss
   -- A brief description of the loss
2. Basis of Settlement
   • Household contents and general all risks claims are settled on the basis of the current replacement cost less an allowance for depreciation.
   • Buildings claims are settled on the basis of replacement or repair cost provided the building has been maintained in a good state of repair.