Insurance Claims


What To Do In The Event Of A Loss

In the event of loss or damage to your dwelling or its contents you should report the matter to us as soon as possible.


Your First Contact With Us


  1. You will be required to attend our office to complete a detailed form relating to the loss.
  2. You should arrange for an estimate of the damage to be prepared
  3. We will arrange for an inspection of the damage at a mutually convenient time.
  4. Our highly trained staff will guide you in the most efficient way of getting you back in the position you were prior to the loss.


Burglary, Housebreaking, Theft And Fire Incident


  1. Immediately report all these incidents to the police and the Fire service, in case of fire.
  2. Where a crime has been committed do not tamper with any potential evidence before the arrival of the police
  3. Take photos where possible to show entry, exit and damage
  4. Contact our Claims Department as soon as possible
  5. List all damage / loss to building and contents.
  6. Locate and secure your insurance policy and any other personal contractual documents


Losses From Major Perils – Flood, Hurricane etc.


On Happening Of A Loss


  1. Take photos of damage.
  2. Secure premises with board, tarpaulins etc. to prevent further loss or damage to building and contents.
  3. Keep all invoices and receipts for sums spent in securing the premises
  4. Contact our Claims Department or your broker representative as soon as possible for guidance
  5. Clean up debris
  6. Salvage as much as possible. Dry out electrical items, clothing etc.
  7. If necessary, use a generator to run essential electrical appliances e.g. freezers
  8. If the premises are rendered uninhabitable, seek reasonably priced temporary alternative accommodation. There is some coverage under your policy


Making A Claim That Will Be Settled Quickly


  1. Your first official step is to fully complete our claim form and return same to us, ASAP but definitely within 30 days. The forms are available from our office or web site.
  2. For contents, prepare an inventory of damaged / lost items available with date of purchase, purchase price, replacement cost or repair estimate
  3. For building, have a detailed estimate from the person (s) you intend to have restore it.
  4. Make yourself available to the claims adjuster.
  5. Allow at least one hour for adjuster to survey premises and take photos etc. (Have documents ready, e.g. site plan, claim documents)
  6. Make sure to point out all known damage.
  7. The adjuster will have local rates sheets for similar types of building repairs and will prepare his costing based on measurements taken by him. If his costing is in line with estimate / claim made by you the adjuster might request that you sign Proof of Loss Form which verifies that you accept the amount proposed to you by the adjuster as your loss.
  8. The adjuster will then send their report to us and we compare your loss with the policy coverage in place.
  9. Should your loss be covered under the policy we will issue settlement cheque and final policy discharge form.


Info required about Damaged items:


  1. Item
  2. Description
  3. Year Purchased
  4. Original Cost
  5. Replacement Cost or Repair Cost


Relevant Insurance Policy conditions


The Excess or Deductible:


  1. In respect of losses arising directly or indirectly from the perils of
  2. Hurricane, Cyclone, Tornado and Windstorm;
  3. Rain accompanying the perils stated in (a) above;
  4. Fire and/or Flood (including overflow of the sea) caused by the perils stated in (a) (b) or (c) above: –


 A sum equivalent to 2% (two per cent) of the sum insured per item that shall apply to each item as set out in the Schedule.


General Conditions




All benefit under this Policy shall be forfeited


  1. If any claim made under this Policy be in any respect fraudulent or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy.




If any event giving rise to or likely to give rise to a claim under this Policy comes to his knowledge the Insured shall:


(a) Immediately


  1. Take steps to minimise the loss or damage and recover any missing property.
  2. Give notice in writing to the Insurer and
  3. Give notice to the police if the event be theft or suspected theft or willfull or malicious damage.


(b) Within 30 days or such further time as the Insurer may in writing allow to deliver to the Insurer


  1. a claim in writing for the loss or damage containing as particular an account as may be reasonably practical of all the several articles or items of property lost or damaged and the amount of loss or damage thereto respectively, having regard to their value at the time of the loss or damage.
  2. particulars of all other insurances, if any.

The Insured shall at all times at his own expense procure and give to the Insurer all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, proofs and information with respect to the claim and the origin and cause of the loss or damage and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of liability of the Insurer as may be reasonably required by or on behalf of the Insurer together with a declaration on oath or in other legal form of the extent of the claim and any matters connected therewith.

Insurance Rights


On the happening of any loss or damage to any of the property insured by this Policy the Insurer may:


  1. Enter and take and keep possession of the building or premises where the loss or damage has happened.
  2. take possession of or require to be delivered to it any property of the Insured in the buildings or on the premises at the time of the loss or damage.


The powers conferred by this Condition shall be exercisable by the Insurer at any time until notice in writing is given by the Insured that he makes no claim under this Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Insurer shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its rights to rely upon any of the Conditions of this Policy in answer to any claim.


If the Insured or any person acting on his behalf shall not comply with the requirements of the Insurer, or shall hinder or obstruct the Insurer in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Insurer whether taken possession of by the Insurer or not.


Reasonable Precautions


The Insured shall maintain the property in a proper state of repair and take all reasonable precautions to prevent Damage thereto.


In The Event Of An Accident

Stop Immediately


Switch off the engine. The law requires that you STOP if you are involved in an accident. Take all necessary precaution to prevent further accidents at the scene. If necessary, take steps to warn other traffic of an obstruction: Use the car’s hazard warning lights, ensure that they can be seen.


Send for help


Try to get the police to come to the scene of the accident, if not successful report the accident to them within 24 hours.




If anyone is injured ask someone to summon an ambulance and the police. Movement of injured persons should not be undertaken especially if likely to cause further injury. Try to get at least the name (s) of all injured persons and make notes of the nature of their injuries as far as you can describe them.




Get names, and address of all possible witness (s)


Exchange information
You should secure the other party( s) name, address, insurer, details of vehicle and share your similar information.
Do not admit fault.


If the vehicle does not belong to you, give the registration mark and the name and address of the owner.
Do Not Smoke There May Be Flammable Leakage.


After The Accident


  1. Remove the vehicle to a safe place in a mode that will not cause further damage or you to break the law
  2. Contact our Claims Dept. as soon as possible.
  3. Get an estimate of damage from a reputable garage, and send same to us for approval and further instruction before any repairs are started.

Fire & Theft Incidents

  1. Immediately report all theft and fire losses to the police
  2. Contact our Claims Department as soon as possible
  3. Locate and secure all motor vehicle documents and Certificate of Insurance


Report the accident 


Your First Contact With Us


  1. You may be required to attend our office to complete a detailed form relating to the incident.
  2. You should bring along:-
  • Motor vehicle Certificate of Fitness
  • Motor vehicle Certificate of Registration
  • Drivers Licence
  • Motor vehicle Certificate of Title
  • Estimate of repairs
  1. We will arrange for an inspection of your vehicle at a mutually convenient time.
  2. Our highly trained staff will guide you in the most efficient way of getting you back in the position you were prior to the incident

How Can I Speed Up The Settlement Of My Claim?

  • Follow-up your repairer to ensure he is satisfying his undertakings.
  • Call our office
  • Give us any additional information you may have omitted in your initial report to us.


How will My Claim Be Settled?


Most motor policies are contracts of indemnity, which means that when your claim is settled you should be placed in about the same financial position as you were prior to the loss in as far as your policy cover allow.


Some examples of the application of indemnity:


Total loss settlements


If a vehicle is damaged and considered a total loss, settlement of the claim would be based on the pre-accident/market value of the vehicle immediately prior to the loss but not exceeding the limit of the policy (sum insured).


Partial damage


For partial damage to your vehicle, restoration will be made with parts and material of similar type and age.


For example, if your tire, which was damaged, was 60% worn we would contribute 40% of the cost of a new tire, or supply you with a tire which is 60% worn both of similar model.


The promise we made when you insured with us is that we will be there for you in the event of a loss, which is covered under the policy.

At First Global Insurance Brokers we accept that the most important time to you our clients is when you suffer a loss.


In this regard, we at First Global Insurance Brokers set high standards for responsiveness and service with a human touch, followed up by our belief in living up to the commitments that we make when we issue cover to our clients.


Your Initial Input


Your assistance in helping us to satisfy our promise can only be achieved by the following initial input from you:


  • Notify us in writing or via this website as soon as possible.
  • Notify the police immediately if a crime is involved.
  • Provide estimate of damage/loss within the time specified in your policy.
  • Do not rectify/modify damage without our written instruction
  • All indication of claims, writs etc. to be notified and forwarded to us immediately
  • Take steps to protect the insured risk from further damage
  • You should never admit liability


Some Insurance conditions that may affect your claim settlement


  • Sum insured & description of items covered
  • Policy excess / deductible
  • Average / under-insurance conditions
  • Claims activities condition
  • Reasonableness condition
  • Forfeiture condition



Because We Care

Protect your business, yourself and the ones you care about

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