Page 4 - Claims Binders Mandates and Guidelines

1. RED FLAG INDICATORS
General Procedures
For any matters where red flag indicators are identified, a notice should be sent to the Hollard Insure Investigations team at investigations@hollard.co.za.
1.1 Frequent changes of address
1.2 Incomplete or vague proposals
1.3 Poor credit history
1.4 Vehicle(s) not registered in policyholder’s name
1.5 License endorsements
1.5.1 Foreign driver’s license and holder of such a license is a South African citizen/resident
1.5.2 Foreign driver’s license and public driver’s permit/professional driver’s permit (PrDP) holder for the following countries: Zimbabwe, Malawi, Democratic Republic of the Congo, Zambia and Mozambique
1.6 Undated/unsigned proposals
1.7 No previous insurance or policy is reinstated immediately prior to the loss
1.8 Vague occupation details – i.e. ‘businessman’ or ‘self-employed’
1.9 Proposal completed by the binder holder and not the claimant
1.10 Photocopied (possibly altered) valuation certificates
1.11 Specific questions left unanswered on claim forms and not signed
1.11.1 Date or time of loss
1.11.2 SAPS case number/AR number/CRN number (only on cash report)
1.11.3 Occupation
1.11.4 Use of vehicle
1.11.5 Driver tested for alcohol usage
1.12 Unoccupied situations
1.13 Missing engine/chassis/VIN numbers
1.14 Physical address not noted – only postal box (PO Box)
1.15 A defined pattern in previous claims history
1.16 ‘Emergency’ cover – late Friday afternoon, before long weekend/holidays, etc.
1.17 Gaps in periods of insurance
1.18 Proposal applications completed in different handwriting
1.19 Vague description of loss
1.20 Item claimed was recently added
1.21 Date of loss (DOL) – close to the inception of the policy
1.22 Single vehicle accident claims – late at night, early morning
1.23 Unknown third party claims, third party to claim at a later stage
1.24 Unclear/illegible photocopies
1.25 No physical address
1.26 Known multi-claimants
1.27 Cell phone blacklisting details:
1.27.1 Equipment Identity Register (EIR) or handset number does not correspond with claimant details
1.27.2 Blacklisted number is not picked up on the EIR system (TransUnion)
1.27.3 Complainant details and person blacklisting handset information differ
General Procedures
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Claims Binder Holders Mandates and Guidelines – V6: 2022