Claims

We provide proactive claims handling with respect for and understanding of our customer

What is a pro-active claims process?

  • Respect for and understanding of our customer.
  • Within 24 hours we acknowledge receipt of notifications.
  • Time is an important factor to our customers; timely adjustment and payment.
  • We do not seek confrontation – we seek solutions.
  • Close collaboration between claims and UW to secure, that the insurance agreement is understood and honoured, but claims make the decisions (segregation of duty).

The claims team

1

Start

Within 24 hours, we acknowledge receipt of new loss notification to insured either directly or via appropriate broker. Claims can be notified to us via mobile or web.
2

Data Collection

We capture all data required to properly record a claim – this also means setting up a provisional or full reserve based on the information available.
3

Claims Handling

We commence the actual claims handling meaning that we get in contact with insured to discuss facts, ask for additional information or verify information given. We also – when relevant – appoint external vendors; for instance loss adjusters and defence lawyers (in third party claims).
4

Final

After having fully adjusted the claim, we make decisions regarding coverage, liability (in third party claims), and payment of indemnity/settlement. Our decision is of course based on the relevant facts of the notified matter and the assessment of these facts against the policy and relevant law and court rulings
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