Page 28 - Policy Wording - Hollard Prestige Portfolio 1.4

How we settle your claim
The following conditions on 'How we settle your claim' apply to all sections of this policy. We may reject your claim if you fail to comply and/or reclaim any benefit already paid to you and we will be entitled to cancel or void your policy.
Making a claim
When to make a claim
Please contact your broker to notify us of a claim, within 72 hours, if possible. This will help us to resolve your claim quickly. You must notify us of the claim within 30 days of the loss or damage taking place.
○ How to make a claim
– Make sure everyone is safe.
– Inform the police immediately. This is particularly important when property has been stolen, a motor accident has occurred, people have been injured or died, or a criminal act is suspected.
– Take all reasonable steps to recover any stolen property and where safe to do so, find the guilty person.
– Keep details of the date on which the incident was reported, name of the police officer, police station and
the report number.
– Take reasonable, necessary steps to prevent or minimise any loss, damage, injury or liability. This includes taking appropriate emergency measures and action to prevent or minimise any future loss, damage, injury or liability.
– Contact us without further delay. If you delay reporting your claim, we will not pay for any additional loss or damage caused by your delay.
○ Legal Liability Claims
– Tell us about any incident that has caused injury to others or damage to other people’s property.
– Tell us immediately of any demands made on you to make payment to others. Send any court documents, letters of demands or any settlement offers to us.
– If you make a legal liability claim that is covered under this policy we can decide to defend you, settle any claim against you or represent you at an inquest, official enquiry or court proceedings.
– If we decide to defend you, settle any claim against you or represent you, then you have to give us all the help we need including help after your claim has been settled.
○ What you must not do
When an incident occurs that could result in a claim:
How we settle your claim
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do not get rid of damaged parts of your home, contents or motor vehicle without our consent
do not carry out or authorise repairs without our consent unless you are not able to contact us and the repairs are necessary to prevent further loss or damage
do not admit liability or responsibility to anyone unless we agree
do not negotiate, pay or settle a claim with anyone unless we agree.
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023