Page 12 - Hollard Namibia – Motor & Household Policy Wording

Understanding your policy
How to claim
What you must do
If an event occurs that is likely to result in a claim, you must:
o take reasonable steps to prevent any further loss or damage;
o report the event as soon as possible (no later than 30 days after the insured event) to us;
o obtain the full name, address and registration number of any other parties involved, including possible
witnesses;
o in the event of a burglary, theft or vehicle accident report it to the police within 24 hours. In an event where
a crime was committed a criminal case must be opened, for example theft or burglary.
What you must not do
It is important that you do not:
o admit guilt, fault or liability;
o offer or negotiate to pay a claim;
o approve any repairs (other than essential repairs necessary to minimise or prevent further loss or damage to
your own property, limited to the amount stated in the LIMIT SECTION).
Your responsibilities during and after a claim
If you haven’t already dealt with this when you first reported the claim, please ensure you send us the following within 30 days after the event:
o full written details of the claim (on our standard forms, if required);
o particulars of any other policy covering the event;
o any other documentation we think is necessary to handle the claim (such as police documents, receipts,
invoices or witness statements);
o proof of ownership, value and insurable interest, if requested by us;
o send us any further documentation you may receive later (such as a letter of demand).
Your assistance may be required if we decide to start legal proceedings against any party responsible for the loss. Note that any such legal action may be taken in your name.
Your assistance may be required in the identification and recovery of stolen property for which assistance we will reimburse you for your reasonable out-of-pocket expenses.
Sign a release
You may have to sign a release before we pay you.
Claims procedure is at your own expense
Unless we specifically offer to pay, the entire claims procedure above is done at your own expense. We will never pay more than the amount stated in the LIMIT SECTION.
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