General Claims Procedures:
To complement the careful planning in establishing your Insurance
Programme, it is obviously necessary that in the event of
an incident which will or may give rise to a claim, a procedure
must be adopted for the proper and expeditious conduct of
the claim.
By carefully following this procedure, the impact on your
business operations will be minimised.
There are number of steps which must be taken immediately:
1. Report the incident to Bestmark Pty Ltd
by telephone, facsimile or email, wherever practicable, within
24 hours of the incident.
2. Regardless of whether or not the claim
has been reported or a loss assessor appointed, you must immediately
do whatever is necessary to prevent further loss of life or
property damage. For example:
• Call the fire brigade, ambulance, police or other
appropriate emergency service.
• If during business hours, ensure the evacuation, if
necessary, of staff and
neighbours.
• If critical machinery fails, commence investigations
to locate replacement plant or
services.
• Have a security company install boarding over
smashed windows and, if
appropriate, employ an overnight security watchman.
• Remove property which is exposed to further loss
or damage to a more secure
place if possible.
• Providing no danger to life or limb is involved,
ensure the safe removal and storage
of vital business records.
3. Complete all claims documentation as
soon as practicable (ensuring your ABN No. and Input Tax Credit
entitlement are included) and forward to Bestmark Pty Ltd
with any supporting documents.
4. Whatever the circumstances of the incident,
DO NOT ADMIT LIABILITY EVEN IF YOU THINK YOU ARE AT FAULT.
Your Insurer is entitled to deny a claim or pay a reduced
amount if statements made by you or your employees prejudice
the Insurer’s position.
It is impossible to give guidelines for procedures to follow
in every claim, simply because of the nature
of accidents –
• they cannot be predicted
• they do not follow set patterns
However, the above general procedures can be relied upon
to cover most circumstances.
 Cargo
- Transit Claim Form
Contract
Works Claim Form
Drivers
Questionnaire
Electronic
Equipment Claim Form
Fire
- Storm - Water Claim Form
General
Claim From
Machinery
Breakdown Claim Form
Motor
Vehicle Claim Form
Plate
Glass Claim Form
Pleasure
Craft Claim Form
Professional
Indemnity Claim Form
Specified
Items - Tools - Transit Claim Form
Public
Liability Claim Form
Privacy
Policy
Financial
Services Guide
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