Reporting a Claim – Guidance for Brokers
Any policy requires the insured to report claims “without unreasonable delay”. Most of our policies permit direct reporting of claims by the insured to the insurer although, as the insured’s broker, you may want to be involved. Note that it must be you or the insured that reports the claim, not the third-party. By the time a third-party reports a claim, delay has already occurred and solicitors have generally been appointed.
Reporting a Claim to RSA:
In most cases you or the insured can report the claim over the telephone. When reporting the claim you or the insured should provide the scheme reference (prefixed either RKK or RTT) shown on the last page of the schedule, together with the business or company name and the policy number. The policy number, which is prefixed “PVG”, is generally shown on the first page of the schedule.
If the insured has bought Liability cover:
To report a claim for damage to third-party property:
To report a claim for injury to any person including employees:
If the insured has bought own Property cover:
To report a claim for damage to own property:
For emergency glass replacement: 0845 155 1221
To speak to the out-of-hours customer care team: 0800 316 8947
All other claims:
When reporting the claim, in addition to the policy and scheme numbers, please try to have the following information to hand:
Your name and contact details (ideally, including telephone number and email address);
The name of the person making a claim against the insured (if any);
The date the loss occurred;
Brief details of what happened;
Your estimate of the value of the claim.
If items have been stolen the insured must report it to the police and provide us with the crime reference number.
If the insured has bought Freight Liability or Goods in Transit cover:
T: 0161 235 3876 (office hours)
M: Freight Liability Claims Department, RSA, 17 York Street, Manchester, M2 3GR
Please note that RSA’s Freight Liability team will not respond to claims reports that come from the insured’s customer. The report must be made either by the broker or by the insured. RSA’s typical response time is five working days subject to them receiving a fully documented claim.
REPORTING A CLAIM TO AXAXL:
You or the insured can report the claim over the telephone. Notification should include AxaXL’s policy number prefixed CRC (for Cargo) or VX (for Freight GIT) together with the business or company name.
Reporting a claim to China Re:
If the accident involves death or serious injury to an employee or third-party please call 01746 250026. Please have the following information to hand:
Client name & contact details;
Their policy number and renewal date;
The name of the injured person;
The date the loss occurred;
Brief details of what happened.
Please note that our policy does not cover death or injury arising out of the use of the vehicle on the road.