Page 39 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
How we settle your claim
○ How to pay your excess
If your claim is approved, we will:
– ask you to pay your excess to a repairer or supplier, or
– ask you to pay us the excess, or
– deduct the excess from the amount of cover for the insured loss, and
– pay your claim.
Motor vehicle claims
○ If we agree to pay for a claim due to accident, loss or damage or theft to your motor vehicle, we decide if we will:
– repair the damage
– replace the damaged parts of your motor vehicle
– pay you what it would cost us to repair or replace the damaged parts of your motor vehicle
– set tle your claim as a total loss, or
– pay you up to the maximum you are entitled to under the applicable additional cover option.
○ If your motor vehicle is damaged
– Choice of repairer: You can choose to allow us to arrange for the repair of your motor vehicle or you may
use your own repairer if we have agreed to this in writing.
– If your motor vehicle is not safe to drive we will arrange to move it to either one of our assessment
centres, repair facilities or to another location nominated by you and agreed to by us.
– If your motor vehicle is safe to drive we will arrange a time with you to bring your motor vehicle to one
of our assessment centres or repair facilities, or another location nominated by you and agreed to by us.
– If you allow us to arrange the repairs
•
We ordinarily obtain one competitive quote from our approved repairers (where available).
•
We authorise the repairs based on the most appropriate quote and manage the repair process
with the repairer.
•
We will keep you informed on the progress of the repairs.
– If you choose your own repairer
•
After you obtain a quote from your repairer, we will:
▪ arrange a time with you to drive your motor vehicle (if it is safe to do so), or
▪ you must let us move it to one of our assessment centres or repair facilities, or
▪ another location nominated by you and agreed to by us.