Tips and suggestions

For your car

Always keep a “Joint report” in your vehicle. The joint report is a straightforward tool that can be completed quickly in the event of an accident without injuries. You can even download The Joint Report application in our Resources section.

You can access it here

When involved in an accident, try to gather as much information as possible. For example: The name of the person who was driving, location and time of the accident, a basic description of the accident, the name and insurance information of the other driver and if possible, names and contact information of others involved in the accident or witnesses.

In the event of a non collision claim (hit and run, theft, fire or vandalism), a police report will be required by the insurance company.

For your house

Consider first whether you should file a claim. Small claims can sometimes cost you more over time. With deductibles and a potential increase in premiums, making a claim can end up costing you more. Speak to one of our brokers and let him advise you, give you the pros and cons so you can make the right decision.

Take clear well-lit photos of the damage should be your first step after speaking to your insurer. Make sure your contractor begins documenting the damage as-is before beginning any work.

Leave a paper trail is the key to making claims as painless as possible. Maximise the use of email while communicating with involved parties and save all receipts for expenses. Avoid paying in cash, especially for your contract work.