Car Insurance Claims-FAQs
Here are some of the Frequently Asked Questions regarding the NEXT Car Insurance Claims
Please call us as soon as you can whenever you are involved in a car accident and you believe it will lead to a Car Insurance Claim. The sooner you let us know that you have been involved in an incident, the better equipped we will be to help you process the matter.
You have the option of paying an additional Kshs 3000 to get AA membership. With the AA membership, you will have access to roadside assistance, not only when you are involved in an accident, but also if your car breaks down while on the road. Otherwise, the policy (if you pay the enhancement)will make you eligible for towing in the event your car is involved in an accident and is unable to move.
The Car Insurance claims process starts as soon as an incident occurs. Your role is to collect related information which you will use to fill the claim form. The official process however starts when you fill and file a claim form with us. That will be the first day of the claims process
There are many reasons why your claim may be denied. The most common reasons for the denial of claims include fraudulent claims, lack of proof regarding the incident, and if there were material omissions when filing the proposal form. In the case of NEXT, the proposal would be the online form you fill when buying NEXT Insurance.
The two key documents are the police report and the claim form. However, you can attach any other documents to support your claim. This includes photographic evidence, letters from any of the parties, and proof of any expenses that align with your claim.
You are required to pay the excess before your Claim is honored. In certain cases, you will be compensated less the value of the excess. If you have an excess protector, you will not pay any excess
The claim process is the same for all claims and the same form used. The main difference is that in some cases, the car insurance company may not be satisfied with a claim and will therefore institute investigations into the incident. In some cases, a valuation would be required (for accidents), and hence the company will include valuation as part of the claims process.
All claims will typically be settled within 90 days, with the exception of incidents that require the involvement of the courts.
The settlement paid to you after you make a claim will be based on the sum assured (value of your car insurance cover). The actual value you get is usually less the required excesses when you do not have an excess protector. Usually the insurance company will also factor the depreciation since the last valuation.