Claims

All you need to know for a quick & easy claim processing

Introduction

Star Assurance claims unit handles both motor and non-motor claims.  Our Company, being a service industry attaches great importance to offering excellent customer satisfaction to our valued clients.

Motor Claims Procedures are as follows;
  • Report to the police.
  • Contact Star Assurance and fill the specific claim form.
  • Do not settle or negotiate to settle, admit or repudiate any claim without our consent.
  • Forward all relevant documentary evidence in respect of the loss.
  • Forward all claims, writs of summons or letters from third parties to us unanswered.
Who is entitled to make a claim?
  • The insured (policy holder)
  • The third party whose property has been damaged by our insured's vehicle
  • The injured victim
  • Administrators of a deceased estate
  • Parents/guardians in the case of minor
Period within which to make a claim
  • Injury/death - up to three years from the date of the accident.
  • Damage - up to six years from the date of the accident.
Some circumstances under which your motor claims will be repudiated
  • If your vehicle was driven without your consent, order or permission.
  • When an unlicensed driver was driving
  • When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
  • Where there was a change of ownership on the vehicle without reference to us.
  • Using the vehicle whilst the driver was drunk.
  • Using the vehicle for unauthorized purposes.
Relevant documentation required when liability has been fully established Motor
  • If your vehicle was driven without your consent, order or permission.
  • When an unlicensed driver was driving
  • When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
  • Where there was a change of ownership on the vehicle without reference to us.
  • Using the vehicle whilst the driver was drunk.
  • Using the vehicle for unauthorized purposes.
Non-Motor Claims

Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc.  Each non-motor insurance​claim has its own specific claims procedure and conditions which are explained in detail by our competent and well trained claims staff whenever a claim is made.​​

Generally, when an accident occurs, the insured (policyholder) should comply with the follwing:

  • Report the incident to the police or fire service (in case of fire).
  • IMMEDIATELY contact Star Assurance and complete the specific claim form.
  • Take all reasonable steps to protect the damaged site/property for inspection by Star Assurance.
  • Do not settle or negotiate to settle, admit or repudiate any claim without our consent.
  • Forward all relevant documentary evidence in respect of the loss to us.
  • Forward all claims, writs of summons or letters from third parties to us unanswered.
Important

In all cases, a discharge form which states the agreed quantum (amount) will be issued by the insurance company to the insured or claimant for execution and forwarded back to enable us process the cheque.