Tips on How to File an Insurance Claim

Tips on How to File an Insurance Claim

It happens to all of us.  A bumper-to-bumper, a broken waterpipe.  Unexpected damages can come in any form, that’s why it’s always smart to protect your belongings and yourself beforehand.  Insurance is a very helpful way to do that, but sometimes it can seem complicated and the whole process can seem to drag on.  At Laferla, we believe in paying each valid insurance claim promptly, so we’re sharing our top tips for you to be prepared in the case of a claim, and so that we can make the whole process even faster.

Imagine this.  You’ve had an accident and need to file a claim with your insurance provider.  What next? Here’s what you need to know to file a claim properly:


  1. Take Photos to Support your Insurance Claim

If any damage is involved, it’s not only a good idea but it is sometimes mandatory to take photos.  In the case of a traffic accident, make sure you capture the scene from various angles including showing the point of impact as well as all damage to your vehicle. Similarly, in case of loss to your home or its contents, photos are required to assess the extent of the claim.  This is also valid for damages to luggage when travelling.


  1. File a Claim as Soon as Possible.

In the case of motor claims, it’s important that we are informed about the accident as soon as possible.  With health insurance, home insurance and travel insurance, make sure to submit your claim within 3 months of treatment, loss, or damage, depending on the nature of the claim. Remember that this is a policy condition, so failure to keep with the 3-month notification period may mean that your claim could be refused altogether.


  1. Keep your Receipts!

Insurance providers require original, itemised, VAT receipts in case of claims to ascertain the value of any lost or damaged items, as well as for any other expenses incurred.  This may include medical receipts issued by doctors and clinics, or, if you incur expenses for necessary items, receipts for delayed luggage are also needed.


  1. Make Sure your Claim is Covered!

Since different insurance products come in various packages, make sure the policy you have covers the claim you wish to make.  Feel free to contact us to confirm whether you are eligible for cover before making a claim. Insurance policies can sometimes be confusing, but we are always available to help you understand your policy and the benefits offered by your chosen insurance plan.


  1. Get Reports!

If there is any damage to electronic equipment or appliances, be it at home or whilst travelling, make sure to get a technician’s report to confirm the extent of the damage. In the case of any claim regarding theft, you will need to give your insurance provider with a copy of the police report.


  1. Results and Estimates

Similarly, your insurance provider would need a copy of your results in case of blood tests or similar procedures to validate your claim, whilst in the case of home insurance damages,  they require two estimates in order to be able to assist with the claim.


  1. Don’t Forget the Basics

Don’t forget to date and sign your claim form and include any contact numbers or email addresses so that your insurance provider can reach you!


  1. You Can Do it all Online

Claim forms for Laferla can be downloaded and submitted online, so in most cases you don’t have to take time out of your already busy schedule to come to our offices. Select the type of insurance claim here to download the appropriate form and read more about how to make a claim.



Motor Vehicle Accident Top Tips

  1. In the case of bumper-to-bumpers and other simple collisions, make sure you always carry a ‘Front-To-Rear’ Collisions Form with you.
  2. Never discuss or commit to liability with any Third Parties or authorities at the scene of an accident. This may prejudice your insurance claim and your right to reimbursement.
  3. In the case of a motor claim, stay at the accident site until all measures are completed effectively.


Important Numbers

National Emergency Helpline: 112

Local Wardens: 21 320 202

Laferla 24/7 Emergency Roadside Assistance call centre: 22 480 202


For a full list of supporting documents needed in case of an accident or to learn more about filing a claim, click here.