Broker Guide Transformed claims process Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Making it easier to do business with us Mutual & Federal has created this guide to inform you of our new Claims Transformation processes and provide you with the necessary information to help us make it simpler and quicker to settle your claims. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Assess Claims transformation objectives In 2014, Mutual & Federal launched the • We understood the higher needs of the environment and the consumer. Claims Transformation Program to analyse our existing claims processes and identify opportunities for improvement. Align • We have made some tough decisions to be future fit. Activate • Now is the time to externalise our stor y and lead the categor y through engagement. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Project scope We are introducing a number of changes stipulated below. • Introduction of our new Interactive Voice Response (IVR): • This new telephony system will allow us to route calls to the most appropriate staf f members, based on the policy and claim number. • It will make it easy to contact us through a single national number from any where in South Africa. • We will be able to accurately measure our productivit y, thus ensuring a continued high ser vice level. New claims contact details: • New claims number: 0861 24 7 365. • The new claims number is a ShareCall number 0861 24 7 365, meaning that the caller will be liable for the por tion of their call to the local Telkom exchange. • Calls made from a cell phone to this number will be charged at normal call rates. Our claims e-mail addresses are: For existing claims • Motor Claims – [email protected] • Non-motor Claims – [email protected] • Agriculture Motor – [email protected] • Agriculture Non-motor – [email protected] • Specialist Claims – [email protected] • Salvage Claims – [email protected] • Third Par t y – thirdpar t [email protected] • Motor Liabilities Claims depar tment – [email protected] Claims processing: • All claims related to allsure, multisure and AssetCare will be processed in the new manner. • Using Motor and Non-motor, instead of Personal and Commercial as dif ferentiation by categor y, drive greater ef ficiency than by line of business. • Our Agriculture Claims process has the following small changes: • You may use the new IVR number: 0861 24 7 365 to get routed to the correct agent or continue to use the existing Cape Town and Bloemfontein Agriculture numbers. • The Agriculture Claims processing hubs will be located in For new claims Cape Town and Bloemfontein. • Motor Claims – [email protected] • Red Carpet and Specialist Claims remain unaf fected by the changes. • Non-Motor Claims – [email protected] • Agriculture Motor – [email protected] • Agriculture Non-motor – [email protected] Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group • Claims processed by our Binder Brokers and UMAs remain unaf fected. OUR PROCESSING HUBS HAVE CHANGED: PRETORIA Please see function per region. Our processes will be divided into front office, back office and payments. JOHANNESBURG: Each area will become specialists in the way they process the work, creating pockets of efficiency, resulting in improved turnaround times. JOHANNESBURG • FNOL • Back of fice Motor/ Non-motor: JHB, BLOEM • Fast Track • Payments • FNOL • Recoveries, Salvage & T/Loss • CRC, SIU & Assessment • Back of fice Non-motor (until July nex t year) • CRC, SIU & Assessment BLOEMFONTEIN DURBAN EAST LONDON CAPE TOWN: • FNOL • Back office Motor: CPT, PE, KZN (to move in July 2016) • Back of fice Non-motor: CPT, PE (to move in July 2016), K ZN (to move in July 2016) • Agriculture Claims for CT, PE and K ZN • CRC, SIU & Assessment PORT ELIZ ABETH: BLOEMFONTEIN: PORT ELIZ ABETH CAPE TOWN • Agriculture Claims for JHB and BLOEM • CRC, SIU & Assessment DURBAN: • Back of fice Non-motor (until July nex t year) • SIU & Assessment Front office functions and features Back office and payments: functions and features • First notification of loss • Communicate with clients and brokers • Capture initial information from broker • Arrange car hire • Categorise claim based on business rules • Obtain additional information • Fast track claims • Claims processing and decision making • Regular claims • Manage suppliers • Complex claims • Request assessments • Provide claim number • Approve and release payments • Book tow, if required • Total Loss & salvage • Check car hire details on policy • Third Par t y • Book motor assessment • Special investigations • Request emergency non motor assessment & repairs • Legal • Handle queries from customers/brokers/suppliers on claim status Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group New claims registration channels 0861 247 365 Make call to M& F (Centralised Contact Centre) File a new claim Send email to M& F (Centralised Contact Centre) Use M& F’s mobile or web app (Self-ser vice) Mr Broker - 0861 247 365 0861 247 365 Make call to M& F (Centralised Contact Centre), Make call to M& F Negotiator (Directly on the ex tension number provided through notification) Quer y/status on existing claim Send email to M& F (Centralised Contact Centre) Use M& F’s mobile or web app (Self-ser vice) 2016 only Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Mr Broker Make call to M& F 0861 247 365 New Claims registration IVR : process changes for new and existing claims System engine Choose new claim registration t ype for: Motor Enter Policy or Non-motor or Based on policy #, system will route the call to best skill in Contact Centre JHB CPT Agriculture PE Choose language option Choose option for: New claims registration or Existing claims status update Existing Claims quer y Choose broker option Choose option know status of claim or Choose option for speaking to CSR for other queries Answer verification questions Call to M& F Negotiator (Directly on the ex tension number provided through notification) Most recent status of claim is auto read out by IVR Call is replied by skilled CSR and answers the quer y based on claim’s log New Claims Registration Email process changes for new and existing claims • Email received with correct policy # in subject line auto indexed for new claim registration Draf t email to request registration of claim • Add policy # in the subject line • At tach completed Claims Form • Provide all material information required for claims registration • At tach required documents and quotations, if any • Send email to respective centralised email ID based on claim t ype • Draf t email to clarif y quer y • Add claim # in the subject line • Claims get auto at tached to the existing claims file for which there is a respective claims handler • Claims handler opens the email and identifies purpose of the quer y JHB Email is handled by Skilled CSR for Registration • Based on policy t ype skilled CSR is automatically assigned • CSR completes registration or call/ email back for missing information Existing Claims Quer y Mr Broker In case policy is incorrect or unavailable in email registration request, email replied back requesting policy # • Replies to the quer y accordingly • In case quer y is not clear or requires follow up, will accordingly call back or does the required follow ups CPT PE Mr Broker New Claims Registration New web process for new and existing claims (to be launched in 2016) Select Motor Choose Relevant Peril Follow Dynamic Script & answer question for Claim Registration or Non-motor Log on to M& F web/mobile app with valid credentials Choose ‘File a Claim’ option from easy navigation panel Choose ‘Claim Status’ option from easy navigation panel Existing Claims Quer y or Search for the required Claim # Click on Claim # Most recent status of the Claim will be available Claims registration process New claims registration via Telephone (Interactive Voice Response) The number: 0861 247 365 is a shared call number. The Interactive Voice Response (IVR) system will route calls correctly based on the selected options as well as the policy and broker ID. For Motor and Non–motor claims the calls will be routed to our Claims Front Of fice which will be located across Cape Town, Johannesburg and Por t Elizabeth. Agriculture Claims will be correctly routed to the nex t available Agriculture Agent. Agriculture Claims will be managed from either Cape Town or Bloemfontein. The Agriculture Claims Process will then continue as it is today. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group You will be required to enter the TIA policy number at the beginning of the call. If this is incorrectly entered then you will be requested to enter your identification number. You will be routed to the first available customer ser vice agent who will continue with the telephonic claims registration process. If you enter the TIA policy number or your identification number incorrectly then the call will be automatically routed to the nex t available customer ser vice representative who will guide you. You will receive a claim number af ter the mandator y information has been provided. The option of a Customer/Broker Satisfaction Sur vey is provided. IVR selection options New Claims 0 = Emergency 1 = Autoglass or Windscreen 1 = Broker Registration Process: Mandatory information Loss date and time 2 = For all Motor Claims Loss t ype 3 = Non-Motor Claims Loss location 0 = Repeat options Brief loss description 9 = Repeat options 9 = Previous menu Medical assistance Selection options Enter options Items of loss 1 = Agriculture Claims Enter Policy number 2 = New Claims Enter Broker ID 2 = Direct Customer 3 = Speak to a Customer Ser vice Representative 3 = Existing Claims 4 = Policy related 0 = Repeat options Claims registration process New claims registration via email Emails are routed to the appropriately skilled customer ser vice representative. The email must have the TIA policy number in the subject line. If the TIA policy number is not in the subject line, the claims process may be delayed and the email will not be correctly routed. For Motor and Non-motor Claims, the email will be routed to the Claims Front Of fice which will be located across Cape Town, Johannesburg and Por t Elizabeth. The customer service representative will contact you to finalise the registration process or obtain additional information. The customer ser vice representative will also double-check whether towing or emergency assistance is required. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Agriculture Claims will be correctly routed to the nex t available Agriculture Agent. Agriculture Claims will be managed from either Cape Town or Bloemfontein. The Agriculture Claims Process will then continue as per normal. Red Carpet, Specialist and Third Par t y Claims will be correctly routed to the nex t available agent as per the current process. You will receive a Claim number after the mandatory information has been provided. 1. Please use the following email addresses to register your claim 2. When constructing your email include the following: Motor Claims = [email protected] • Inser t TIA Policy number in the subject line Non-motor Claims = [email protected] • At tach Claims Form containing at least the mandator y information Red Carpet = [email protected] Specialist Claims = [email protected] Third Par t y = thirdpar t [email protected] 3. Please include the following mandatory information Loss date and time Loss t ype Agriculture Motor = [email protected] Loss location Agriculture Non-motor = [email protected] Medical assistance Brief loss description Items of loss 4 . Email routing The email will be routed to the nex t available Customer Ser vice Representative with the appropriate skill. 5. Finalise capturing process You will be contacted via telephone or email to provide any additional information. If no additional information is required you will be issued with a claim number. Claims registration process New claims registration via mf online The functionality of mf online has not changed. Refer to the mf online Manual for additional information on the mf online functionality. The process will remain the same, the flow Indicated below is a summary. Log on Broker logs on and selects File a Claim Register a Claims notification M&F reference number Broker reference number Notification date Incident date Policy number Client name Informer name Notification t ype Contact person Suburb of loss Description of loss Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Claim options Motor Non-motor Both Motor and Non-motor Complete capturing process Generate reference number Upload documents Routing of Claim The claim will be routed to the nex t available back of fice negotiator. New claims registration Fast Track Claims A claim may be identified as Fast Track based on criteria as indicated: How to register a Fast Track Claim Fast Track Claims are settled and paid within eight business hours. Fast Track identification Payment of Claims Telephone: 0861 247 365 System identifies Fast Track based on: Email: Quantum The claim will be routed to the nex t available Payments Representative Motor Claims = [email protected] Section Non-motor Claims = [email protected] mf online Claim information required Provide mandator y information (see previous section) Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Risk Factors Under writing Criteria Suppor ting Documentation System score Immediate Claims settlement Claims Set tlement within eight business hours Following up on existing claims IVR Selection options The Number: 0861 247 365 is a shared call number. 0861 247 365 Selection options Existing Claims menu 1 = Enquire about claim’s status Afrikaans/English 1 = Agriculture Claims You will have the option to follow up on existing claims via the shared call number: Selection options 2 = New Claims 0861 247 365. 0 = Emergency 3 = Existing Claims The option exists to be transferred to an Agent or receive update using the Automated Claim Status Announcements. 1 = Broker 4 = Policy related 2 = Claim-related queries and be transferred to an agent 2 = Direct customer 0= Repeat options 0 = Repeat options The Automated Claim Status Announcements are in Afrikaans and English. 3 = Speak to a Customer Ser vice Representative 9 = Return to previous menu 9 = Repeat options Enter options Enter policy number Enter broker ID Automated message based on claim’s status 1 = Enquire about claim’s status Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Our IVR system has been improved to ensure efficiency. Mandatory information to provide during the claims registration process Motor and accident claims • Policy number • Driver insured is not repor ting • ID number • Contact details • Vehicle registration number • Full description of incident • Incident date • Police case number and repor t • Incident time (exact time) • Suburb of loss • • If the insured is not repor ting ; informer name and contacts Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group • Was the driver of the vehicle under the influence of drugs or alcohol or tested for alcohol? Was/is the vehicle drivable? • Was the vehicle towed? If “ Yes”, please provide towing company details and contact numbers • Is the vehicle still under warrant y? • What was the speed of impact? • Where is the vehicle now (physical location)? • Speed of vehicle at time of accident: • stationar y or • Did the incident involve a chain collision? If “ Yes”, please provide third par t y details and contact numbers (cellphone preferable) • slow speed e.g. less than 60km/h or • high speed e.g. more than 80km/h • Third par t y name • Third par t y contact details and insurer details • Vehicle registration number • Address of resident(s) • Did the insured vehicle roll? • Did the airbags in the insured vehicle deploy? Is the car drivable or not? • Did the airbag deploy: Yes or No? • VIN numbers (used by investigators) Mandatory information to provide during the claims registration process Motor theft/ hijack claims • Has the vehicle been recovered? • If recovered, where is the vehicle now? • Date of recover y • Address, contact person and contact number Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Non-motor Claims • Policy number • Proof of ownership • ID number • Photographs • Incident date • Damage repor ts • Incident time • The amount claimed • Physical address and suburb of loss • Any other relevant information which may af fect the claim • If the insured is not repor ting informer name and contacts • Police case number for thef t/burglar y claims • Full description of incident • Excess applicable • International Mobile Equipment Identit y (IMEI) - for cell phones Claims • Description of the proper t y and date purchased • Valuation cer tificate (Jewelr y claims only) • Invoices • Contact person and telephone numbers if a Loss Adjuster or an Assessor needs to be appointed Non-motor questions per section and peril/ loss class Section Peril/Loss Class All Risks Question Loss/damage; Theft Other insurance? Claim older than 3 months? Bereavement Expenses Bereavement Is the body currently in South Africa? What was the age of the child? What was the cause of death? Extended Personal liability Judgements or settlements under US or Canadian law? Was action initiated outside South Africa? Did you contact the Labour Help Line before you commenced with the disciplinary action? Home Employers’ Labour Dispute Is one or more of the special exclusions applicable? Type of unfair labour practice? Does Acc Benefit extension apply to insured cover? Does the Claim Form have a doctor’s Stamp? Does the Claim Form have a hospitals Stamp? Insured admitted for existing medical condition? Hospital Cash Plan Insured admitted when outside of RSA for 3 months or less? Was insured admitted whilst outside of RSA? What is the doctor’s address? What is the doctor’s name? What is the hospital admission date? Section Peril/Loss Class Question What is the hospital discharge date? What is the hospital Name? Hospital Cash Plan What is the patients occupation? What is the patients relationship with the Insured? Accidental bodily Injury Damage in or on the private residence? Due to a domestic animal owned by insured? Was the case reported to the authorities? Police station name? Accidental damage Police case number? Was the damage as a result of geyser bursting? Is there consequential damage? Accidental damage to audiovisual equipment & glass Did the loss occur in the private residence? Was the case reported to the authorities? Police station name? Household Goods Accidental death Police case number? Does the insured have any other insurance cover other than M&F? Due to a domestic animal owned by insured? What is the age of the deceased? Domestic telephone instruments Did the loss occur in the private residence? Is the damage to a cellular telephone or mobile communication equipment? Was the case reported to the authorities? Explosion Police station name? Police case number? Is a TP responsible? Extended accidental damage Did the loss occur in the private residence? Section Peril/Loss Class Question Was the case reported to the authorities? Fire Police station name? Police case number? Is a TP responsible? Keys and locks Did the loss occur in the private residence? Does the insured have any other insurance cover other than M&F? Liability Due to a domestic animal owned by insured? Due to an injury sustained by a domestic staff? Is the insured the tenant? Is a TP responsible? Lightning Police case number? Police station name? Was the case reported to the authorities? Household Goods Loss of water by leakage Medical expenses Due to leaking tap/geyser/toilet system/swimming pool? Was residence unoccupied for longer than 3 days? Does the insured have any other insurance cover other than M&F? Did the duration of the loss of power exceed 24 hours? Refrigerator and deep freeze contents Due to breakdown of or accidental damage to the unit? Due to loss of power supplied by public authorities? Was the case reported to the authorities? Police station name? Theft Police case number? Was the alarm system activated? Was the home vacant during the robbery? Were jewellery and watches kept in a safe? Damage in or on the private residence? Transit risk Was the case reported to the authorities? Police station name? Police case number? Section Household Goods Peril/Loss Class Question Trauma Damage in or on the private residence? Was it as a result of an armed robbery? Damage as a result of pipes/other water apparatus bursting? Accidental damage, accidental damage to fixed glass and sanitaryware Did the damage form part of the building? Is a TP responsible? Accidental damage to machinery Accidental damage to public supply or mains connection Accidental to fixed water pumping machinery Is loss or damage covered by a warranty or service contract? Pump or motor situated below normal flood levels? Did the damage form part of the building? Loss/damage to domestic borehole pump/electrical motor? Pump or motor situated below normal flood levels? Damage as a result of pipes/other water apparatus bursting? Burst geysers House Owners Description of resultant damage? Did the damage form part of the building? Is loss or damage covered by a warranty or service contract? Earthquake Medical expenses Explosion Fire Did the damage form part of the building? Does the insured have any other insurance cover other than M&F? Did the damage form part of the building? Is a TP responsible? Did the damage form part of the building? Is a TP responsible? Did the damage form part of the building? Liability Is liability as a result of injury to TP? Is liability due to damage to TP property? Lightning Loss of water by leakage Did the damage form part of the building? Description of resultant damage? Is the quarterly meter reading at least 50% more compared to the previous 4 readings? Section Peril/Loss Class Question Description of resultant damage? Power surge extension Did the damage form part of the building? Is a TP responsible? Is loss or damage covered by a warranty or service contract? Snow, storm, floods, hail, wind House Owners Description of resultant damage? Did the damage form part of the building? Description of resultant damage? Subsidence Did the damage form part of the building? Is a TP responsible? Was there visible forcible or violent entry? Theft Description of resultant damage? Was the residence abandoned/unoccupied at time of the loss? Claim for fraudulent bank charges not related to ID theft? Has the incident been reported to the relevant institution? Is the claim for fraudulent bank charges not related to ID theft? Identity theft Police case number? Police station name? Was the incident reported to the authorities? Is claim as a result of electricity supply/power surge? Mechanical breakdown Was item older than 10 years when added to the policy? What item is being claimed for? Are medical expenses covered by a medical aid? Personal Accident Medical expenses, temporary total disablement What was the cause of medical expenses being incurred? What was the cause of temporary total disablement? Damage, loss Personal Computers Electrical breakdown, lightning, mechanical Theft Does the insured have any other insurance covering other than M&F for these items? Do you have any other insurance covering other than M&F for these items? Was the residence vacant at the time of the loss? Section Peril/Loss Class Question Do you have any other insurance covering other than M&F for these items? Personal Liability Credit cards Police case number? Police station name? Had insured been employed on permanent basis for 13 months? Has insured been retrenched? Retrenchment Has insured claimed retrenchment benefit in last 12 months? Was insured made redundant during the period of this policy? Was insured made redundant prior to his/her 66th birthday? Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Other mandatory information-based section and peril/loss class Section Motor Peril/Loss Class Question Own Damage, Third Party Property Expenses for occupant(s) who sustained bodily injury? Expenses for occupant(s) who sustained bodily injury? Was the vehicle parked? Expenses for occupant(s) who sustained bodily injury? Was the vehicle roadworthy before the incident? Expenses for occupant(s) who sustained bodily injury? What was the vehicle used for? Expenses for occupant(s) who sustained bodily injury? Did the airbags deploy? Theft Date vehicle was recovered Theft Victim of violent theft, attempted theft, hold-up/hijacking? Theft, Fire, Own Damage, Third Party Property Date licence was obtained Theft, Fire, Own Damage, Third Party Property Driver’s contact number? Theft, Fire, Own Damage, Third Party Property Passenger details Theft, Fire, Own Damage, Third Party Property Tow operator’s details Theft, Own Damage, Third Party Property Was the incident driver blood alcohol level above the statutory limit? Theft, Own Damage, Third Party Property Was the incident driver tested for alcohol? Theft, Own Damage, Third Party Property What is the driver’s age? Theft, Own Damage, Third Party Property What is the driver’s gender? Theft, Own Damage, Third Party Property What is the driver’s ID no or date of birth? Theft, Own Damage, Third Party Property What is the driver’s licence code? Theft, Own Damage, Third Party Property What is the driver’s name? Theft, Own Damage, Third Party Property Who was driving the vehicle (insured or named driver or other party)? Theft, Fire, Own Damage, Third Party Property Witnesses detail Theft, Fire, Own Damage, Third Party Property Details of physical location Theft, Fire, Own Damage, Third Party Property Drivable? Theft, Fire, Own Damage, Third Party Property, Windscreen Police at the scene? Theft, Fire, Own Damage, Third Party Property, Windscreen Where is the vehicle now? Other mandatory information-based section and peril/loss class Section Motor Peril/Loss Class Question Theft, Own Damage, Third Party Property, Windscreen Was the vehicle towed? Third Party Property Are the third party details known? Third Party Property Did the weight of the trailer, caravan, car or goods vehicle towed exceed 3500kg? Third Party Property Is a TP involved? Third Party Property Is a TP responsible? Third Party Property TP details (e.g. vehicle reg, contact detail, name of driver) Third Party Property Was the vehicle towing a trailer, caravan, car or goods vehicle? Windscreen Was the windscreen replaced? Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group The use of claim forms Claim forms assist with the processing of claims and aid all par ties, so please use these for your convenience. You are encouraged to use claim forms for email communication. Motor theft claim form: MOTOR THEFT CLAIM FORM MOTORDIEFSTAL EISVORM Insurance Company Limited Versekeringsmaatskappy Beperk Reg. No. 1970/006619/06 Authorised Financial Services Provider POLICY NO. CLAIM NO. POLISNR. EISNR. BROKER/AGENT MAKELAAR/AGENT COMPANY NAME / SURNAME AND INITIALS MAATSKAPPY NAAM / VAN EN VOORLETTERS COMPANY REGISTRATION NUMBER MAATSKAPPY SE REGISTRASIENOMMER IDENTITY NUMBER IDENTITEITSNOMMER VAT REGISTRATION NO. BTW REGISTRASIENR BESIGHEID OF BEROEP PHYSICAL ADDRESS STRAATADRES POSTAL ADDRESS TELEPHONE NUMBERS POSADRES Business Home Cellular Make Model Year Mileage Vehicle Identification Number Chassis Number Engine Number Finance Company Owner Afstand afgelê Voertuig Identifikasienommer Onderstelnommer Enjinnommer Kleur (Buite) Branch Naam Tak Account Number Rekeningnommer Type of Agreement Tipe ooreenkoms Identity Number Uitstaande Bedrag Naam Identiteitsnommer Datum van Diefstal Time of Theft Tyd Diefstal Plaasgevind Place where Theft occurred Plek waar Diefstal plaasgevind het Police Station Reported To Polisiestasie waar aangemeld Diefstal Date of Theft Eienaar Theft Jaar Finansierings Maatskappy Group Model Registrasienommer Kleur (Binne) Name A member of the Fabrikaat Interior Colour Outstanding Amount Authorised Financial Services Provider Huis Sellulêr Exterior Colour Name Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). Besigheid TELEFOONNOMMERS Voertuig Vehicle Registration Number Versekerde Insured BUSINESS OR OCCUPATION Motor theft claim form continued: SAPS Case Number Motor accident claim form: MOTOR ACCIDENT CLAIM FORM (Delete sections not applicable) MOTORONGELUK- EISVORM (Skrap afdelings nie van toepassing nie) SAPS Saaknommer Date Reported Datum Aangemeld Reported By Deur wie Aangemeld Circumstances of Theft Insurance Company Limited Versekeringsmaatskappy Beperk Reg. No. 1970/006619/06 Authorised Financial Services Provider Omstandighede van Diefstal POLICY NO. POLISNR. CLAIM NO. EISNR. BROKER/AGENT MAKELAAR/AGENT INSURED IDENTITEITSNOMMER BTW REGISTRASIENR. ADDRESS AND DAY TELEPHONE NUMBER If vehicle subject to Hire Purchase, Credit or Leasing Agreement, state name and address of Finance Company In whose name is the vehicle registered? ADRES EN DAG TELEFOONNOMMER Make/Fabrikaat Tare/Tarra Gross Vehicle Mass/Bruto Voertuig Massa Registration/Registrasie Value/Waarde Model and Year/Model en Jaar Kilometres Completed Kilometers Afgelé Date of purchase Datum van aankoop Was the Vehicle Locked? Skade aan u eie voertuig Estimate for repairs or attach quotation Beraamde herstelkoste of heg kwotasie aan Repairer’s name, address and telephone number Hersteller se naam, adres en telefoonnommer Where can your damaged vehicle be inspected? Waar kan u beskadigde voertuig ondersoek word? Full Name Was die Voertuig gesluit? Volle Naam Address If not, give reasons Indien nie, verstrek redes Anti-theft / Vehicle Recovery Device Details Driving Licence Is hierdie Toebehore afsonderlik verseker? Make Fabrikaat Fitted by Geinstalleer deur Date fitted Besonderhede van Antidiefstal Toestel / Voertuig Opsporingstoestel Aantal Number Nommer Date Datum Meld volledig die doel waarvoor die voertuig gebruik is. Het hy/sy met u toestemming bestuur? Was he/she in your employ? Was hy/sy in u diens? Is hy/sy die eienaar van n’ ander voertuig? Indien ja, meld naam van versekeraar en polisnommer Besonderhede van enige veroordelings weens motorry-oortreding Is rybewys ooit geëndosseer? Ly hy/sy aan enige liggaamlike gebreke? Besonderhede van vorige ondelukke Date Versekerde se Handtekening ……………………………………………… Hoedanigheid ……………………………………... Datum ………………………………………. A member of the Group PASSENGERS (Insured Vehicle) PASSASIERS IN VERSEKERDE VOERTUIG For what purpose were they carried? OTHER VEHICLES OTHER PARTY Declaration Capacity Injury/Besering Met watter doel is hulle vervoer? Is hulle werknemers? Make Fabrikaat Contact details: Home, Work or Cell No. Kontak besonderhede: Huis, Werk of Sellulêr Name and Address of Owner and Driver Naam en adres van Eienaar en Insurance details: Company, Policy and/or Claim No. Versekerings besonderhede: Maatskappy, Polis en/of Eis No. Details of damage Besonderhede van skade Details of damage Besonderhede van skade ANDER VOERTUIE ANDER PARTY Verklaring Insured’s Signature Address/Adres PASSENGERS IN INSURED VEHICLE (1) (2) (3) Name and Address of Owner Naam en adres van Eienaar PROPERTY OTHER THAN VEHICLES PASSASIERS (Versekerde Voertuig) Ek/Ons verklaar hiermee dat die voorafgaande besonderhede in elke opsig waar is. Rybewys Was he/she driving with your permission? Registration Number Registrasienommer I/We hereby declare the foregoing particulars to be true in every respect. Authorised Financial Services Provider Learner/Leerling Are they employees? PLEASE ATTACH THE VEHICLE KEYS, A COPY OF THE REGISTRATION CERTIFICATE, AND THE LATEST SERVICE INVOICE. HEG ASSEBLIEF DIE VOERTUIGSLEUTELS AAN SAAM MET ‘N AFSKRIF VAN DIE REGISTRASIESERTIFIKAAT EN DIE NUUTSTE DIENSFAKTUUR. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). Full/Vol Details of previous accidents Besonderhede van ander kenmerke wat kan help met identifikasie MUFED 1630 08/11 Kode Has he/she any physical defects? Besonderhede van krapmerke, duike, defekte Details of other features which would assist identification Code Has licence ever been endorsed? Besonderhede van venstergraverings Deur wie aangebring Details of scratches, dents, defects Plek State fully the purpose for which the vehicle was being used Name/Naam Applied by Whom Place Details of any convictions for motoring offences Datum geinstalleer Number Identiteitsnommer Is he/she the owner of another Vehicle? If yes, give name of Insurer and policy number PLEASE ATTACH PROOF OF DEVICE/ HEG ASSEBLIEF BEWYS VAN TOESTEL AAN Details of Window Markings Beroep Identity Number BESTUURDER Are these Accessories separately insured? Adres Occupation Besonderhede van Gesteelde Toebehore (Heg fakture aan) DRIVER Details of Stolen Accessories (Please attach invoices) SKADE DAMAGE Damage to own vehicle Indien voertuig onder Huurkoop, Krediet- of Bruikhuur-ooreenkoms is, meld naam en adres van Finansieringsmaatskappy In wie se naam is die voertuig geregistreer? VOERTUIG VEHICLE IDENTITY NUMBER VAT REGISTRATION NO. VERSEKERDE NAAM EN BEROEP NAME AND OCCUPATION Details of damage Besonderhede van skade EIENDOM UITGESONDERD VOERTUIE Property loss/ damage claim form PROPERTY LOSS / DAMAGE CLAIM FORM EIENDOMSVERLIES / -SKADE EISVORM Insurance Company Limited Versekeringsmaatskappy Beperk Reg. No. 1970/006619/06 Authorised Financial Services Provider POLICY NO. POLISNR. CLAIM NO. EISNR. Tyd en Datum van Verlies/Skade When was Loss/Damage discovered? Wanneer is Verlies/Skade ontdek? Address where Loss / Damage occurred Adres waar Verlies / Skade plaasgevind het Were premises occupied? By whom? Was perseel bewoon? Deur wie? If not occupied, when last occupied? Indien onbewoon, wanneer laas was dit bewoon? Purpose of occupation Met watter doel was die perseel gebruik? Describe fully how the Loss or Damage occurred. (If applicable state how entry was gained to premises). Beskryf volledig hoe die Verlies of Skade plaasgevind het. (Indien van toepassing meld wyse waarop toegang tot die perseel verky is). Was die diefalarm geaktiveer? Was burglar alarm activated? If loss / Damage caused by another party, give name and address Have you previously suffered a Loss / Damage? Indien Verlies / Skade deur ‘n ander persoon veroorsaak is, meld naam en adres Het u vantevore verlies of skade gely? If so, give details Indien wel, verskaf besonderhede If insured, provide name of insurer Indien verseker, verstrek naam van versekeraar Polisie Versysingsnommer Polisiestasie Datum gerapporteer Police Reference Number Police Station Date reported Is there any other insurance covering this Loss/Damage? If so, give name of Insurer Beraamde totale waarde van al die eiendom verseker onder die polis Wanneer laas is dit gewaardeer? Insured’s Signature Versekerde se Handtekening ………………………………………… Capacity Date Hoedanigheid …………………………………... Datum …………………………………. PLEASE COMPLETE REVERSE SIDE VOLTOOI ASSEBLIEF OOK DIE KEERSY MUFED 1599 11/04 Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Verklaring I/We solemnly declare that I/We have suffered loss of or damage to the property enumerated on the reverse hereof and that the said property was in my/our possession immediately prior to the said loss/damage which occurred in the circumstances described above. Ek/Ons verklaar plegtig dat ek/ons die verlies van of skade aan eiendom, wat agterop beskryf is, gely het en dat genoemde eiendom onmiddellik voor die verlies/skade in my/ons besit was en dat die verlies/skade plaasgevind het as gevolg van die omstandighede hierbo uiteengesit. Waarde Estimated total value of all property insured under the policy When last valued? Ander Versekering Het enige ander persoon ‘n belang in die versekerde eiendom, bv. Huurkoop of ander Krediet-ooreenkoms Indien wel, meld naam en belang Is daar enige ander versekering wat hierdie Verlies / Skade dek? Indien wel, meld naam van Versekeraar Ander Belang Has any other party an interest in the insured property, e.g. Hire Purchase or other Credit Agreement? If so, give name and interest k l a Loss / Damage Occurrence Loss / Damage Address Cause of Loss / Damage Previous Loss / Damage Date and Time of Loss/Damage Polisie Police ADRES EN DAG TELEFOONNR. Vorige Verlies / Skade Other Interest ADDRESS AND DAY TELEPHONE NO. Oorsaak van Verlies / Skade Other Insurances BTW REGISTRASIENR Verlies / Skade Adres Value NAAM EN BEROEP VAT REGISTRATION NO. Verlies / Skade Voorval Declaration MAKELAAR/AGENT NAME AND OCCUPATION Versekerde Insured BROKER/AGENT STATEMENT OF PROPERTY LOST, STOLEN OR DAMAGED N.B. Claims in respect of damage to buildings must be accompanied by a builder’s estimate. Number Getal Description Omskrywing van eiendom OPGAWE VAN EIENDOM WAT VERLOOR, GESTEEL OF BESKADIG IS L.W. Eise ten opsigte van skade aan geboue moet van ‘n raming van ‘n bouer vergesel wees. Date Acquired Datum Verkry From whom purchased or acquired Van wie gekoop of verkry Current Replacement Value Huidige Vervangingswaarde Deduction for wear and tear or depreciation (if aoolicable) or value of salvage Amount Claimed Aftrekking vir slytasie of waardevermindering (indien van toepassing) of waarde van wrakgoed Bedrag geëis Required documentation Motor vehicle damage write-off documentation requirements Required documentation Fully completed and signed claim form (police case details imperative). Clear copy of valid driver’s licence. Signed change of ownership forms (Yellow, NCO form. Sections A&C to be completed by the registered owner of the vehicle). Details and proof of extras fitted to the vehicle at the time of the loss *NB – Photos shall no longer be accepted, only purchase invoices. Original and duplicate/spare keys of the vehicle required (COMPULSORY). Insurable interest must be confirmed. Registered owner and policyholder must be the same as mentioned. Written confirmation of banking details. Vehicle on HP - Copy of the registration certificate and settlement quote must be obtained from HP Company by the insured. NCA does not permit anyone other than the registered owner to obtain this. If the vehicle is still under finance, please provide us with copy of the motor purchase contract also known as the credit agreement. Vehicle HP free – Original GREEN registration certificate. (Please note that the old PINK document is invalid and cannot be accepted.) Vehicle HP free – Letter from Insured stating that there is no outstandinghire purchase on the vehicle. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Document attached Yes No Important conditions to note ▶ No payment will be issued without all the correct documentation having been received. ▶ No retention of the salvage is allowed irrespective of the write-of f code. ▶ This document must be at tached when sending the documentation to Mutual & Federal. ▶ Original documentation must reach us within 10 working days of the claim being registered or the insured will be liable for any related costs (e.g. storage) caused by delays on his/her side. Stolen vehicle documentation requirements Required Documentation Fully completed and signed claim form (police case details imperative). Proof that motor vehicle licence fees are paid up to date. Confirmation of anti-theft device/tracker. SAP 21 forms from police station for stolen vehicles. (SAP need to verify that vehicle is not recovered.) Signed change of ownership forms (Yellow, NCO form. Section A&C to be completed by the registered owner of the vehicle). Details and proof of extras fitted to the vehicle at the time of the loss. *NB – Photos shall no longer be accepted, only purchase invoices. Original and duplicate/spare keys of the vehicle required. Insurable interest must be confirmed. Registered owner and policy holder must be the same as mentioned. Written confirmation of banking details. Vehicle on HP - Copy of the registration certificate and settlement quote must be obtained from HP Company by the insured. NCA does not permit anyone other than the registered owner to obtain this. If the vehicle is still under finance, please provide us with copy of the motor purchase contract also known as the credit agreement. Vehicle HP free – Letter from insured stating that there is no outstanding hire purchase on the vehicle. Vehicle HP free – Vehicle must be deregistered by insured as stolen and submit deregistration document to the insurer. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Document Attached Yes No Important conditions to note ▶ No payment will be issued without all the correct documentation having been received. ▶ This document must be at tached when sending the documentation to Mutual & Federal. ▶ Original documentation must reach us within 10 working days of the claim being registered or the insured will be liable for any related costs (e.g. storage) caused by delays on his/her side. Additional required documentation based on non-motor peril Invoice Quotations/ valuation Damage report x x x All Risks – stolen x x Geyser x x All Risks – loss and damage Firearm x Jewelery – damage/stolen x x x x x x x Accidental damage x Theft x x Glass x x Radio – motor: Stolen x x Prescription spectacles x x Keys/Locks x x Lightning x Personal documents x Death SAPS case number Copy of ID document Copy of firearm licence x x SAP 271 form (Firearm) Copy of death certificate Copy of birth certificate Copy of marriage certificate Confirmation of study Proof of disability Executor letter x x x x x x x x Cellphone – damage/stolen Blacklist number (IMEA) x x x x x x x Additional valueadding processes related to claims transformation We now control and manage our engagement with Motor and Non-motor suppliers. The t wo tools that will assist us in the selection of Motor and Non-motor suppliers include: Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Motor selection tool This tool enables our business par tners to select the most appropriate supplier, to benefit customers, company and our par tners, based on the following criteria: • Incident location: province / cit y /suburb /gps coordinates •Warrant y/Non-warrant y • Drivable/Non drivable • The selection tool will provide the results of the most suited panel beater Your local claims representative consultant will assist with a demo, if so required, below is a screen shot of the Tool: Non-motor selection tool This tool enables our business par tners to select the most appropriate supplier, to benefit the customers, our company and our par tners, based on the following criteria: • Commodit y e.g. your T V, jeweller y, sunglasses etc. • Incident location: province/cit y Your local Claims Representative Consultant will assist you with a demo, if so required. Below is a screen shot of the tool: Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Service Level Agreements Damage Tow Broker/Client Services FNOL Car Hire Adjudication Assessment Repair Settlement Channels SLA’s Access to emergency & medical services Web app Immediate access to emergency services on web/ mobile app. Business hours as per call centre Immediate Accident scene guide Mobile app Manage & report loss (through web/mobile app) post minimum information received Immediate Notification of loss Centralised ivr/call Immediate reference # generation Immediate Policy details – status of premiums/policy Damage Centralised email solution including fax & claims form Update personal details Tow Services Target/Threshold Select item of loss & description of loss Broker/Client Damage FNOL Towing Reference # generation FNOL Car Hire Adjudication Assessment Repair Settlement Channels SLAs Target/Threshold a) Immediate Web app a) Reference # generation immediately after the minimum information received through IVR, MfOnline & Mobile app b) Reference # generation within 8 business hours after the minimum information received through email b) Within 8 business hours Claim registration immediately post mandatory information received through IVR, MfOnline & Mobile app a) Immediate Mobile app Claims registration within 8 business hours after the mandatory information received through email Claim Registration Centralised IVR/call Capture third party details Centralised email solution including fax & claims form b) Within 8 business hours Fast Track Claims processing within 8 business hours Claims identified as Fast Track to be finalised in 8 business hours post registration Respond to simple nontechnical queries Fast track claim handling Damage Tow FNOL Car Hire Adjudication Assessment Repair Settlement Channels SLAs Target/Threshold Tow booking Web App Immediate acknowlegement of tow booking request through Emergency Portal (Swiftcare/FAM) Immediate Immediate tow booking after the reference number generation Immediate Post Reference # Generation Tow to M&F approved panel beater within 8 business hours Tow to M&F Approved Panel beater within 8 Business hours of Booking subject to Type of vehicle and location of tow. (Areas identified as remote may have higher time clause) Towing service Towing to the M&F approved panel beater Mobile App Centralised IVR/Call Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Damage Broker/Client Broker/Client Car Hire Services Tow FNOL Car Hire Adjudication Assessment Repair Settlement Services Channels SLAs Target/ Threshold Issue the car hire voucher to customer in back office Web app Immediate acknowledgment of car hire request Immediate Amend car hire clause on policy Mobile app Confirmation of car hire policy, within 3 business hours of registration of claim Within 3 business hours Follow up on car hire extension & return Centralised IVR/call Issue of car hire voucher within 8 business hours of confirmation of policy, if car hire applies Within 8 business hours Point of contact for all car hire queries Centralised email solution including fax & claims form Disclaimer: This broker SL A is subject to the turn around times achieved by the new operating model and will be reviewed in December 2015. It is also subject to all claims information and documents being received. Service Level Agreements Adjudication Damage Repairs Tow FNOL Adjudication Assessment Repair Settlement Damage FNOL Car Hire Adjudication Assessment Repairs Settlement Channels SLA’s Target / Threshold Services Channels SLAs Target/Threshold BPM Validate Claim for coverage and policy wordings within 8 business hours of registration Within 8 business hours Repairs completion in timely manner Call & email Notification of the estimated repair timeline within 12 business hours of the assessment report submission Within 12 business hours Accept/reject claim Mobile App/ MF online Assessment request for motor claim at FNOL and non motor in back office within 8-10 business hours Within 8-10 business hours Notifying delays in repair schedule Call & email Notify delays in repair schedule on 1 business day before the scheduled repair completion time 1 business day in advance Appoints assessor and approves repairs Authorise repair within 6-8 business hours of receiving the complete assessment report Within 6-8 business hours Follow up with repairer Respond to technical queries immediately on call, within 8 business hours through email Immediately on call/within 8 business hours through email Respond to technical queries Settlement Damage Assessment Tow Tow Services FNOL Car Hire Adjudication Assessment Repair Settlement Services Channels SLA’s Target / Threshold Assessment to be done digitally or in filed Call & email Assessment to be initiated within 24 Business Hrs from registration Within 24 business hours Booking appointment Bpm (smart form) Appointment of assessor to be informed within 8-10 business hours before actual assessment Within 8-10 business hours Assessment Audatex (ipad) Preparation & submission of assessment report Smart assess (ipad) Approve repairs (exceptions) Direct repair program/drive in Broker/Client Damage Broker/Client Tow Validate claim description versus peril versus policy wordings Broker/Client Broker/Client Services Car Hire FNOL Car Hire Adjudication A member of the Group Repair Finalise / Payments Channels SLAs Target/Threshold Settlement as per customer & BO authorization Call & email Notify customer of the decision within 4 business hours of decision Within 4 business hours Notify customer of settlement/rejection Web & mobile app Payments to clients (cash in lieu) within 8 business hours after the settlement decision Within 8 business hours post settlement decision Payments to suppliers as per the payment terms As per the agreed payment terms Multiple mode of payment. ex cash in lieu/cash cards etc. Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). Authorised Financial Services Provider Assessment Disclaimer: This broker SL A is subject to the turnaround times achieved by the new operating model and will be reviewed in December 2015. It is also subject to all claims information and documents being received. Contact details of the Claims team GLOSSARY CSR Claims Service Representative FNOL First Notification of Loss HP Hire Purchase MLCD Motor Liabilities Claims Department NCA National Credit Act NCO Notification for Change of Ownership Red Carpet A special Mutual and Federal Product designed for specific brokers SIU Special Investigation Unit SLA Service Level Agreement MUTUAL & FEDERAL CENTRES Specialist Claims Marine Claims, Engineering Claims and Corporate Claims If the vehicle is safe to drive, Mutual & Federal Motor Assessment Centres and Multi-purpose Centres are available at the following locations: TP Third Party UMA Underwriting Management Agency Michelle van Staden (Head of Claims) [email protected] 011 374 2315 Cynthia Moraka John Welthagen Sean Pheiffer Neil Govender Riaan Van Jaarsveld (Head of Claims (Head of (Head of Motor Claims) (Head of Recoveries (Head: Assessment, Strategic Projects) Non-motor Claims) [email protected] & Liabilities) Operations) [email protected] [email protected] 011 374 2736 [email protected] [email protected] 011 374 2234 011 374 3360 011 374 2634 011 374 2914 Assessment Centres Claim Centres Tel. No. Fax. No. Address Bloemfontein 051 410 2860 051 410 2870 Rosenhof, 90 Zastron, Bloemfontein Pretoria 012 423 0540 012 423 0544 Corporate Corner, Corner Church & Gordon Roads, Hatfield Port Elizabeth 041 399 1000 041 399 1009 7 Frank Street, Newton Park Polokwane 015 296 9674 015 296 9693 10 Neethling Street, Cnr Rhodesdrift Street, Bendor Ext 30 Claim Centres Tel. No. Fax. No. JHB City Centre 011 502 2700/2704 011 502 2708 Corner Acasia & Valley Lane, Blackheath Cresta 011 874 0950 38 North Rand Rd, Corner Herman Pieters St, Hughes, Boksburg Multi-purpose Centres Benoni (East Rand) 011 874 0940 Address Cape Town Montague 021 525 2480 021 525 24808 25 Montague Drive, Montague Gardens, Milnerton, Cape Town Cape Town Claremont 021 673 1200 021 673 1220 Stadium on Main, 170 Stegman Rd, Claremont Durban 031 263 8700 031 263 8720 60 Intersite Avenue, Springfield, Durban Pietermaritzburg 033 264 4700 033 264 4701 188 Victoria Road, Pietermaritzburg Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group Contact details Thank you for taking the time to go through our Claims manual. If you have claims-related queries, contact: [email protected] or your regional claims Representative Consultant (CRC). Complaints: [email protected] Policies underwritten by Mutual & Federal Insurance Company Limited (FSP 12). A member of the Authorised Financial Services Provider Group
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