WHAT YOU NEED TO DO IN THE EVENT OF A CLAIM..........
Please note that these procedures are intended for your guidance only and must not be construed as a statement of policy claims conditions. Always refer to the insurers’ policy wording for the claims procedures and conditions.
In the event of an incident, please contact us promptly. We will take details, inform your insurers and give you immediate advice. Wherever possible, obtain witness statements and photographic evidence. However, special procedures should be adhered to in respect of the following types of claims:
Please contact us to discuss your claim on 01268 669896 or email us HERE
REMEMBER, please contact us in the first instance as we are here to help you!
Please note the following:
In the event of a motor fleet claim, please contact us as a matter of priority in order that we can advise you on the appropriate course of action - time is key!
When accidents happen, it is paramount that there is as little disruption to your business as possible. Together with our trusted industry partners, we are able to take the stress and strain away from our clients, as soon as incidents occur. We are able to provide a 24-hour notification and helpline number (subject to your instruction) and can arrange for vehicle transportation, storage and repair along with engineering inspection services and total loss valuation assesment. We are able to provide a replacement hire vehicle at no cost to our clients in the event of a non-fault accident and handle all correspondence between third parties and their insurers.
In the event of an injury arising out of the accident, we are able to provide rehabilitation services and appoint a reputable bodily injury Lawyer to take care of the legal process if necessary.
Ian Holmes is recognised in the UK Motor market as one of the most respected claims managers in this field, through our Sister company, Holmesian Consultants Ltd, we are able to offer this expertise to our clients. Whether your incident or account includes the provision of repairs, replacement hire vehicles, indemnity and liability issues or bodily injury claims, we are well placed to serve our client needs.
Loss of or Damage to Your Property
If damage is extensive we will arrange for insurers to instruct a loss adjuster immediately. Begin compiling details of the damaged items and put together as much documentary evidence in support of the items claimed as possible, such as original receipts and replacement estimates. It is a policy condition that you notify the police of any incident of theft or malicious damage. Keep a note of the crime reference number.
Keep a separate note of any increased costs to clean up and maintain the business.
Even when no claim has been made by an injured employee, you should notify us immediately of any incident which involves absence from work or hospital treatment. If and when a claim is made on behalf of the injured party please send us all the relevant correspondence unanswered. Please do not at any stage admit liability.
Public and Products Liability
Even where no formal claim has been made by a third party you should notify us immediately of any incident involving injury to a third party or damage to a third party property. If and when a claim is made on behalf of the injured party please send us all the relevant correspondence unanswered. Please do not at any stage admit liability.
Should you become aware of any claims or circumstances which might give rise to a claim, you should notify us or your insurers direct, immediately and in writing. Failure to do so could prejudice your position. Notifiable circumstances cannot be easily categorised. Many situations can be recognised as potential claims before they actually become formal legal actions. It is important that the warning signs are noticed and acted upon as soon as possible to reduce the chances of the claim developing further, and to ensure that your interest under the policy are fully protected.
Danger Signs Include:
• Verbal complaints from dissatisfied customers or a threat of taking matters further
• A letter of complaint alleging neglect, error or omission
• A customer refusing to settle or delaying settlement of an account for an unreasonable length of time.
These are examples of the type of circumstances that might give rise to a claim, but are not fully exhaustive. If you are in any doubt whatsoever, then you should notify us, or your insurers immediately. Once you are aware of a situation which might give rise to a claim you must be careful not to prejudice your or your insurers position. Most importantly you must NEVER admit liability. A holding statement verbally or in writing that you are looking into the matter is the most you should say, ideally you should say nothing to the potential claimant. Sometimes even a part admission designed to diffuse a difficult or awkward situation may invalidate your policy if your insurers have not sanctioned the move.
Notify us immediately you are aware that injury/loss or damage has occurred. Please remember that the late notification of any claim could prejudice your right to protection under the policy.