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How to make a claim
STEP ONE – CHECK YOUR CERTIFICATE
Read your Certificate first so that you are satisfied that you are covered for the claim you want to make. Read any exclusions that may apply and make sure you understand them.
STEP TWO – NOTIFY THE CLAIM
Please contact our Claims Administrator, Commercial & General Ltd, their details are shown below.
Claims Administrator Contact Details
Commercial & General Ltd
17 Teddington Business Park
Station Road
Teddington
TW11 9BQ
Telephone: +44 (0) 20 3740 4431
Email: claims@comandgen.com
You should do this within 30 days of the date the claim under your Primary Insurance Policy occurred. If you do not, it might mean that we will be unable to pay for the excess.
Please tell them the policy reference number, which will be shown in your Insurance Schedule.
STEP THREE – AFTER THE CLAIM IS NOTIFIED
The Claims Administrator will send you a claim form, which you should fill in and send back to them as soon as possible.
The Claims Administrator will arrange to pay your excess to the Vehicle Repairer on your behalf.
You must also provide a copy of the settlement letter from the insurer of your Primary Insurance Policy giving details of the date of the claim incident and which clearly states the amount of the excess.
The Claims Administrator will tell you if they need any more information or documentation from you.
If for any reason the Claims Administrator fails to pay your excess to the Vehicle Repairer, you can claim back the excess from us.
PLEASE NOTE: FAILURE TO FOLLOW THESE STEPS MAY DELAY AND / OR JEOPARDISE THE PAYMENT OF YOUR CLAIM.
CLAIMS CONDITIONS – Things to keep in mind when making a claim
Right of Recovery
The insurers can take proceedings in your name but at their expense to recover for their benefit the amount of any payment made under this Certificate.
Driving Licence
The insurer will only give you the cover that is described in your Insurance Certificate in respect of any excess under a motor insurance policy if you have a current full and a valid UK driving licence, or hold a full internationally recognised licence.
Keeping to the Terms
The insurer will only give you the cover that is described in your Insurance Certificate if you comply with all its terms.
Fraudulent Claims or Misleading Information
The insurers take a robust approach to fraud prevention in order to keep premium rates down. If any claim under this insurance is fraudulent or is intended to mislead, or if any misleading or fraudulent means are used by you or anyone acting on your behalf to obtain benefit under this insurance, your right to any benefit under this insurance will end, your cover will be cancelled and the insurer will be entitled to recover any benefit paid and costs incurred as a result of any such fraudulent or misleading claim. The insurer may also inform the police.