In The Event Of An Accident

Stop Immediately

Switch off the engine. The law requires that you STOP if you are involved in an accident.
Take all necessary precaution to prevent further accidents at the scene. If necessary, take steps to warn other traffic of an obstruction: Use the car’s hazard warning lights, ensure that they can be seen.

Send for help

Call Road Rescue React (if you are a Premier Motor policyholder)
Call the police to come to the scene of the accident. If the police does not come to the scene report the accident to the nearest station within 24 hours.


If anyone is injured ask someone to summon an ambulance and the police. Movement of injured persons should not be undertaken especially if likely to cause further injury.
Try to get at least the name(s) of all injured persons and make notes of the nature of their injuries as far as you can describe them. (Take photographs if possible).


Get names, address and telephone numbers of all possible witness(s).

Exchange information

Get the other party(s) name, address, insurer, details of vehicle and share your similar information.
Do not admit fault.
If the vehicle does not belong to you, give the registration mark and the name and address of the owner.

Do Not Smoke There May Be Flammable Leakage.

After The Accident

Remove the vehicle to a safe place in a mode that will not cause further damage or you to break the law.
Contact our Claims Dept. as soon as possible.
Get an estimate of damage from a reputable garage, and send same to us for approval and further instruction before any repairs are started.

Damaged Glass In Wind Screen Or Window

Contact our Claims dept as soon as possible. We can arrange for replacement of the glass by the following day (subject to availability)

Fire & Theft Incidents

Immediately report all theft and fire losses to the police.
Contact our Claims Department as soon as possible.
List any personal effects stolen or damaged.
Locate and secure all motor vehicle documents and Certificate of Insurance.

Report the accident (Click here to download Claims Form)

Your First Contact With Us

1. You may be required to attend our office to complete a detailed form relating to the incident.

2. You should bring along:-
Motor vehicle Certificate of Fitness
Motor vehicle Certificate of Registration
Drivers Licence
Motor vehicle Certificate of Title
Estimate of repairs
3. We will arrange for an inspection of your vehicle at a mutually convenient time.

4. Our highly trained staff will guide you in the most efficient way of getting you back in the position you were prior to the incident.

How Can I Speed Up The Settlement Of My Claim?

Follow-up your repairer to ensure he is satisfying his undertakings.
Call our office or if more convenient check our website for claim status (updated ever 24 hours)
(Click here to login or request access)
Give us any additional information you may have omitted in your initial report to us.
Encourage the other person in the accident to report it to his/her insurance company.

How Will My Claim Be Settled?

Most motor policies are contracts of indemnity, which means that when your claim is settled you should be placed in about the same financial position as you were prior to the loss in as far as your policy cover allow.

Some examples of the application of indemnity:

Total loss settlements

If a vehicle is damaged and considered a total loss, settlement of the claim would be based on the pre-accident/market value of the vehicle immediately prior to the loss but not exceeding the limit of the policy (sum insured).

Partial damage

For partial damage to your vehicle, restoration will be made with parts and material of similar type and age.

For example, if your tyre, which was damage, were 60% worn we would contribute 40% of the cost of a new tyre, or supply you with a tyre which is 60% worn both of similar model.