Motor Vehicle Claims

In the event of an accident involving another vehicle, please observe the following procedure:

  • Do not admit any liability or offer to make any payment. 
  • Obtain and/or write down the following information: 
    • Registration number of other vehicle.
    • Name, address and phone number of owner and their insurer.
    • Name, driver's license number, address and phone number of driver of other vehicle(s).
    • Date, time and place of accident.
    • Names, addresses and phone numbers of any witnesses.
    • Details of damage to the other vehicle or property.

If you believe   your vehicle is drivable, it is important to ensure that it is in fact safe to do so. Are all lights working, are mirrors operational, is the radiator and all cooling, oil and fuel lines undamaged? Are the tyres undamaged or is something likely to damage them?

Before you obtain a quotation for repair from a panel beater of your choice, it is usually quicker for you to contact your insurance broker, adviser or where you insure direct, your insurer so that they can discuss assessment requirements with you and get insurer’s authority for repairs to commence. Please note that majority of Insurers have their own panel of repairers that you will be required to use. All repairs carried out by one of an insurer's preferred repairers are usually guaranteed for life by your insurer and often there is no need for an assessor to attend.

It is always prudent to check what policy excess is going to apply and to determine if you will lose your no claim bonus and if so what the penalty for this will be. You are then in a position to determine if it is economic for you to claim under your insurance policy.

If your car cannot be driven: have it towed to a panel beater of your choice.  Make sure that you make a note of the tow truck operator’s details and the repairer’s details.  Advise your insurance broker, adviser or the insurer of the vehicles location as soon as practical so we can discuss assessment requirements with you and get insurer’s authority for repairs to commence.

Where the likelihood of any injury claim exists a claim also needs to be lodged with the vehicle’s current Compulsory Third Party ("CTP") insurer.

Once repairs are completed your insurance broker, adviser and some insurers will assist with the recovery of your policy excess if you are not at fault.  If you are not at fault and damage is less than your policy excess your insurance broker or adviser may assist with the recovery of your repair costs from the party at fault. Most insurers do not offer this service.

Under no circumstances should any correspondence from any third party be answered, just forward to us for your insurer to respond.