- Never accept liability
- All incidents must be reported immediately.
- Always secure all damaged property
- Take all reasonable steps to mitigate loss
Helpful Tips
Claim Tips
Property Tips
- Buildings and contents should be insured at the present replacement cost.
- Building values should be inclusive of professional fees, debris removal and all taxes.
- VAT will be deducted from a claim settlement once your company is VAT registered.
- Policy penalties are applied when you under insure.
- Valuables are fully covered only when supported by valuations.
- Jewellery should be covered on an All Risks policy.
- A list of contents and electronic items should be provided.
- Items which you require cover away from the home should be noted.
- You must provide a safe work place, training and supervision for your employees.
- Do not relocate or renovate without giving prior notification.
Motor Tips
- A list of all drivers should be noted on the policy.
- All drivers’ licenses must be current.
- All non-nationals must have visitor’s permits.
- Drivers under 25 years and driving less than 3 yrs or undeclared carry very high deductibles.