Vehicle Insurance Claims

Vehicle Claims Process 


Most Motor Vehicle Insurance claims are preceded by an Accident.  If you have a vehicular accident please follow the following steps:


  1. Stop your car and turn off the ignition. 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.
  2. Call the police. If you are not successful, report the accident to them within 24 hours.
  3. 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.
  4. Do not accept liability at the scene of the accident or give an undertaking to repair the other party’s vehicle or property or pay for medical bills which ever the case may be.
  5. Allow the police sight of your cover note or certificate of insurance.
  6. Take the names, addresses, telephone number s of any witnesses to the accident.
  7. Make a note of the police officer’s name , badge number police station where he or she works and contact numbers.
  8. Take a note of the measurements taken by the police.
  9. Exchange information with the other party. Get the name of the driver of the other vehicle, the name of the owner, the vehicle registration number, the insurer of the vehicle and the make and model of the vehicle.
  10. Do not admit liability or sign any agreement except one given to the Police.
  11. It is in your interest to take as much information as possible on the other parties involved in the accident and most importantly the names and addresses of any witnesses to the accident as they will help to validate your claim report.


Following the accident, you should:


  1. Call a towing company and have the vehicle transported to a safe location. If the vehicle is being moved to a property other than yours remove any spares which can be easily stolen before the vehicle is moved.
  2. Contact EC Global Insurance Company Ltd as soon as possible.
  3. Complete an accident report form which you can obtain from the EC Global office. When visiting our office bring along your driver’s license.
  4. Obtain an estimate or repairs to the damage of your vehicle from a garage of your choice and submit it to us before any repairs are done on the vehicle.
  5. If you have comprehensive insurance, obtain a receipt of the estimate and EC Global will appoint an independent surveyor.
  6. If you are entitled to a temporary replacement car please contact us before you make arrangements with a rental company.


BURNT or STOLEN Vehicles 


  1. Immediately report all theft and fire losses to the police
  2. Contact our Claims Department as soon as possible
  3. List any personal effects stolen or damaged


Speeding up the settlement of your claim:


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




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



Indemnity can apply in the following circumstances:


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 damaged tyre, was 60% worn, we would contribute 40% of the cost of a new tyre, or supply you with a tyre of a similar model which is 60% worn.

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