Motor Claim Procedure

At SIC, we treat legitimate motor claims with utmost urgency and pay compensation for the loss or damage to vehicle promptly.

Steps to follow to help us process your motor claim:

  1. Report accident to the Police
  2. Report to us with a photocopy of the driver's license and complete a motor claim form
  3. Provide pictures of the accident vehicle, clearly showing the registration number
  4. Furnish us with an estimate of the cost of repairs
  5. Do not admit liability or settle or negotiate to settle, or make any payment without our consent
  6. Do not effect repairs before we inspect the damaged to the vehicle
  7. Submit all claims, writs and letters from third parties to us unanswered

Who can make a claim?

  1. The Policy holder (Insured)
  2. Anyone whose property has been damaged by the insured's vehicle
  3. The injured victim(s)
  4. Administrators of a deceased estate
  5. Parents or guardians in the case of minors

Period within which to make a claim

  1. Injury/Death - up to 3 years from the date of accident
  2. Damage - up to 6 years from the date of accident

*** Just write a letter of claim directly to us as soon as practicable but within the period stated above.

Some circumstances under which your motor claim will be Repudiated

  1. Where there was no insurance cover for the vehicle at the time of the accident
  2. Where an unlicensed person was driving
  3. Where your vehicle was driven without your consent or permission
  4. Where there is change of ownership of the vehicle insured
  5. Using the vehicle for unauthorized purposes
  6. Using the vehicle whilst the driver was drunk
  7. Statute barred claims - where the claim was not submitted within the three(3) or six(6) years period


Documents required when liability is fully Accepted

Property Damage Claim

  1. Police Report
  2. An estimate of the cost of repairs
  3. Pictures of the damaged vehicle
  4. Photocopy of the driver's license on the one driving the vehicle

Injury Cases

  1. Police Report
  2. Medical Report
  3. Original receipts of medical bills incurred (To justify the cost being claimed for)
  4. Personal particulars
  5. Affidavit
  6. 2 passport-size pictures of the injured victim endorsed by the doctor who treated the victim

Deceased (Death) Cases

  1. Police Report
  2. Death certificate/Burial permit
  3. Letters of administration
  4. Personal particulars of the deceased
  5. Affidavit
  6. Endorsed passport-size pictures of administrators (2 each)


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