GoldStar-Insurance-Company-Logo

goldstar@goldstarinsurance.com

Drop us a line

+256 41 4250110

Make a call

en English

Claims Procedure

Motor Commercial Insurance from Goldstar protects your vehicles from unforeseen risks and provides protection against the losses incurred as a result of – theft, financial loss caused by accidents and any subsequent liabilities. With our Motor Commercial Insurance you can cover your fleet of vehicles under one single policy, for one single premium. We offer a range of covers tailored for your fleet of vehicles – including cars, pick-ups, vans, trucks, buses, ambulances, farm equipment and more.

Claim forms must be fully completed and submitted with the necessary documents in support of your claim.

  1. Thefts and motor accidents must be reported to the police immediately
  2. Take action to prevent any further loss or damage

Please remember:

  1. As your Insurer, we have the option to repair, replace, reinstate or pay cash and reserve the right to assess the loss.
  2. Do not repair or replace lost or damaged property without obtaining authority from your Insurers.
  3. Never admit liability of any accident.
  4. Any right of recourse which may exist is subrogated to Insurers once we admit liability for the loss, and it is important that personal particulars
  5. Do not dispose of damaged property and/or salvage.
  6. Particulars of the 3rd party and any witness to be obtained.
  7. Non-pursuance of recoveries is to the detriment of your overall claims experience.
  8. Act at all times as if you were uninsured.

Download Claim Form

CONSTRUCTIONS ALL RISKS, MACHINERY BREAKDOWN, CONTRACTOR’S PLANT AND MACHINERY AND FIRE

Inform the Police and make an official Report to them where applicable

  1. Notify us immediately
  2. Complete claim form and submit it to us
  3. Send any other information or details pertaining to the claim
  4. Take all reasonable steps to reduce any further loss and to mitigate future losses
  5. Contact Fire Brigade in case of a fire
  6. Evacuate staff where necessary
GROUP/INDIVIDUAL PERSONAL ACCIDENT
  1. Report the injury to us as soon as possible, but otherwise within 30days
  2. Arrange for the injured member to undergo treatment until the Doctor advises that there are no more procedures to be done.
  3. Keep all medical notes and supporting medical bills
  4. Notify us with, Medical certificate, of the employee’s readiness for final assessment
  5. Avail us claims supporting documents as detailed under ‘Claims Documents’.
GOODS IN TRANSIT
  1. Inform the Police and make an official Report to them.
  2. Note the shortfall on the delivery note
  3. Hold the transporter liable for the loss
  4. Ascertain the amount you have lost and notify us as quickly as possible.
  5. Provide all the documentation to us pertaining to the consignment in question
  6. Complete a Claim Form and submit it to us.
BURGLARY, ALL RISKS, FIDELITY GUARANTEE AND CASH IN TRANSIT
  1. Inform the Police and make an official Report to them where applicable
  2. Notify us immediately
  3. Complete claim form and submit it to us
  4. Send any other information or details pertaining to the claim
  5. Take all reasonable steps to reduce any further loss and to mitigate future losses
PUBLIC LIABILITY
  1. Notify us immediately.
  2. Complete Claim Form and send it to us.
  3. Send any other information or details pertaining to the claim.
  4. Do not admit liability.
WORKER’S COMPENSATION
  1. Allow an injured staff to undergo all necessary treatment upon which you notify us of the development so that the member of staff can undergo medical assessments.
  2. Complete four copies of form LD 31, send two to the Doctor attending the injured employee, one to the Labour Officer and one to us.
  3. Follow-up LD 35 and 87 upon submission of a duly completed LD31 to Labour Office.
  4. In case of death of employee, avail LD31, 35 (unsigned), LD87, LD78/Letter of Administration, postmortem report, police report, Death certificate
  5. Complete claim form and submit it to us
  6. Avail Medical bills accompanied by medical notes.
MOTOR
  1. In the event of an accident take all the details of the location and the cause of the accident.  Where a Third Party is involved NEVER ADMIT LIABILITY but exchange your particulars and those of your Insurers with the driver of the Third-Party vehicle.
    1. In all cases of bodily injury report to the police immediately.
    2. Remove the vehicle to a place of safety. (This can be done without prior authority) subject to limits as per Policy.
    3. Notify us of the accident as quickly as possible not later than 7days.
    4. Complete a Claim Form and send it to us.
    5. Submit to us an estimate of the cost of repairs (Comprehensive Policies Only). Do not authorize repairs without our prior consent.
    6. Where the accident has been reported to the Police, obtain a Police Accident Report and forward it to us.
    7. Advise us of the Third-Party Claims and forward to us any correspondence received from the Third Party unacknowledged.

To enable us expeditiously process a claim, documents are required in support of a claim. The documents require vary per class of business as follows

A. Motor claims
  1. Completed claim form
  2. Valid driver’s permit/license
  3. Police report
  4. At-least 2 repair quotations
  5. Unacknowledged letters of demand
  6. IOV report
B. Fidelity guarantee
    1. Completed claim form
    2. Internal audit report detailing the nature and extent of the loss
    3. Police report
    4. Copies of media announcements
    5. Copies of appointment letters
    6. Documents to substantiate the loss
C. Group/individual personal accident
    1. Claim form
    2. Medical certificate
    3. Treatment notes and medical bill
    4. Death certificate/ post-mortem report/ letters of administration in case of death
    5. Independent assessment of medical award
D. Liability
    1. Claim form
    2. Letter of demand from the third party
    3. Supporting receipts and any other relevant documents
    4. Police report
    5. Survey/ investigation report
E. Professional indemnity
    1. Copy of contract with third party
    2. Statement explaining loss
    3. Claim form
    4. Third party quantum of loss
F. Contractors all risks
    1. Claim form
    2. Statement narrating loss
    3. Bills of quantities
    4. Repair or replacement quotations
    5. Letters of demand, in case it’s a third-party claim
    6. Survey report
    7. Police report in case of theft
G. Contractor’s plant and machinery
  1. Claim form
  2. 2 repair/ replacement invoices
  3. Operators permit
  4. Driving Permit
  5. Service records
  6. Internal investigation report
H. Marine /goods in transit
  1. Marine/Goods in transit certificate
  2. Bill of lading
  3. Bills of entry/exit
  4. Consignment notes
  5. Delivery note
  6. Claim form
  7. Quantum of loss
  8. Letter holding transporter liable, duly acknowledged
  9. Packaging list
  10. Commercial invoice
  11. Pre-shipment Survey report
I. Fire and allied perils
  1. Completed claim form
  2. Statement narrating loss
  3. Fire brigade report (only in case of a fire as a peril)
  4. Quantum of loss
  5. Quotation for Debris removal
  6. Bill of quantities
  7. Stock records (for loss of stock)
  8. Letter of demand to third parties
J. Consequential loss
  1. Computation of loss
  2. Audited financial statements for the year prior to the loss
  3. Management accounts up to the time of accident
  4. Business analysis – 6 months prior to the accident.
  5. Costs incurred in ensuring business continuity
K. Workers’ compensation
  1. Ld31 fully completed by the employer and medical doctor
  2. Ld35 not signed by the insured
  3. Ld 87 outlining computation from ministry of labour
  4. Ld 78 in case of death
  5. Letters of administration in case of death
  6. Post mortem in case of death
  7. Death certificate in case of death
  8. Medical notes
  9. Medical bills in line with medical notes
  10. Last 2months’ pay-slip before accident
  11. Confirmation of sick leave
  12. Staff identity Cards (exception of casuals)
  13. Independent assessment of medical award
L. Group Personal Accident
  1. Claim Form
  2. Medical certificate completed by attending Dr
  3. Post mortem in case of death
  4. Death certificate in case of death
  5. Medical notes
  6. Medical bills in line with medical notes
  7. Last 2months’ pay-slip before accident
  8. Confirmation of sick leave
  9. Staff identity Cards (exception of casuals)
M. Travel Claims
  1. Bio-page of the passport
  2. Pages showing departure and arrival stamps
  3. Statement narrating nature of loss
  4. The rest of the documents shall depend on the nature of claim of which guidance shall be given.

It is important to note that Travel is provided on assistance basis in the first instance. There-fore contact the contact number on your travel certificate. For expenditures incurred and are to be reimbursed, please keep receipts.