MOTOR INSURANCE.

• Make sure that you have fully settled your premium.
• Ensure that you have fitted your vehicle with the recommended anti theft device.  This is a must to avoid paying higher excess or claim rejection.
• Ensure that your vehicle is at all times roadworthy.  Worn out tyres should never be used even as spares.  Your policy contains a maintenance warranty and if your vehicle is not properly maintained the insurers will not honor your claim.
• You will only be indemnified at 50% should your tyres, rims tubes and batteries be damaged or stolen unless the items are new. (Valid proof is required)  This is the market practice all over the world.
• Declare the value if you have fitted your vehicle with non-standard items like Alloy rims, special tyres, radio cassettes, e.t.c.  This will enable your insurer to charge any additional premium so that your claim will be paid without problems.
• Your windscreen and radio cassette claim will be subject to payment of excess should the damage also involve other parts of the vehicle.  However if it is damaged/lost on its own then excess will not apply.
• A photograph of damaged windscreen is required.  Please take one before you carry out repairs.
• Ensure the vehicle is adequately insured.  Avoid over Insurance, as you will only pay extra premium unnecessary.  Also avoid under insurance to avoid the punitive average condition which states that you will be responsible for the proportion of loss arising from under insurance, meaning you will shoulder part of the loss.
• You should never insure your vehicle duty free as this will constitute under insurance. Please note you will be asked to meet any costs arising from betterment of your vehicle should a claim arise i.e. if your vehicle is partially damaged at the front or sides but you require full paint you may be asked to add some money to help undertake the job.
• Ensure you use your vehicle with the proposed use only as at the start of the policy.
• All accidents or incidents must be reported in a reasonable time to Alpine for any thing upto and including injuries to either passengers or third party and a police abstract report obtained.

REQUIREMENTS INCASE OF AN ACCIDENT.

1. Take all details, location and cause of the accident, time, weather conditions, type of road surface, warning given, lights showing on the vehicle and the estimated speed before the accident.
2. If possible obtain witnesses.
3. Never admit liability but take particulars of the third party vehicle.
4. Notify police immediately (A must for all cases especially injury claims).
5. After the police have recorded the accident, move the vehicle to a safe place.
6. Assessment of damaged vehicles is at all times carried out in a garage.
7. Obtain a police abstract report.
8. Obtain an estimate of the repair cost. Never authorize repairs.
9. Complete a claim form. Please fill all the details required and consult Alpine where need be.
10.  Submit all third party correspondence received, answered or acknowledge to any of our offices countrywide.
11. Copies of the driver’s licence and statement must be attached to the claim form.
12. A copy of logbook, to proof vehicle ownership is required.

FOR THEFT OF VEHICLES OR ITEMS IN THE VEHICLE.

1. Notify police immediately.
2. Obtain a police abstract report.
3. Co-operate with the investigations.
4. Submit service records
5. A certificate, test and examination of the vehicle are also required.
6. If vehicle is uneconomical to repair or stolen and not recovered, we require an original logbook, car keys, two transfer forms signed but undated, copy of ID cards (individuals) certificate of incorporation for individuals, duplicate certificate of insurance and copy of Pin certificate.
7. Note that all claims falling below the excess applicable are not payable.
8. Applicable excess is payable before release of the vehicle.

NOTE:

• In all cases you should act as if you are uninsured and minimize losses.
• Failure to properly document a claim may prompt insurers to dishonor the same.
• By taking the necessary and correct steps from the word go, claims will be settled faster and less costly.
• All claims should be handled at a central position for better co-ordination and follow-up for Co-operate clients.

MARINE CLAIMS | MOTOR INSURANCE | INJURY CLAIMS | FAQ