Only the owner of the insurance policy can make a claim. It’s a must for a claim to be reported and all requested documents submitted to be processed by HSI.
Your agent or broker can also make a claim on your behalf.
Yes, report the accident to your insurer within 7 days, particularly if you are accepting liability for the accident. If the owner of policy does not accept responsibility for an accident a claim cannot be processed under his/her policy.
Claims will only be processed once all required documents have been submitted to HSI. Documents needed to lodge a claim will vary based on types of insurance.
Yes, you may submit estimates from your chosen repairer. However, all quotations are subject to review by an Independent Motor Assessor. HSI reserves the right to obtain additional estimates from alternative authorized repairers to ensure cost accuracy and compliance with policy terms.
Excess is applicable only on certain types of insurance. It is a pre-agreed amount of money that you need to pay to your insurance provider in the event of a claim or will be automatically deducted from your claims amount depending on the type of policy that the claim has been lodged under.
The exact amount is agreed at inceptionl. Specifically for Motor insurance, only under comprehensive policies when claim is being made under your own policy. The payment or deductible amount will vary depending on the type of insurance.
Yes, only if your car is under comprehensive cover. Loss of use coverage provides you with a replacement vehicle while your vehicle is being repaired. Loss of Use limit will be based on the agreed sum at inception of your policy.
If the claim is valid and all documents are in order, your claim will be finalised in an efficient and timely manner.