CLAIMS PROCEDURES

All claims
Marine Transit claims
Motor Vehicle claims
Professional Indemnity, Statutory Liability, Directors and Officers claims
Public Liability claims
Travel claims

ALL CLAIMS

  1. IMMEDIATELY inform Mahony & Company Ltd by phone (09) 358 2258, or by facsimile (09) 356 7221, or email mail@mahonynz.com as soon as you become aware of a claim or potential claim.
  2. Complete a claim form or write a full statement of what occurred and send it to Mahony & Company Ltd at the earliest opportunity.
  3. DO NOT admit or deny liability either verbally or in writing.
  4. Please retain all receipts etc. as the Insurers will require these.
  5. Obtain the names, addresses and telephone numbers of any witnesses.
  6. Burglary claims, or loss of valuable items of stock, plant or money, must be notified to the Police immediately.
  7. Should a break-in occur, please secure the premises immediately.
  8. No admission, offer or promise of payment can be made without the written consent of Insurers.
  9. All claim forms, letters, claims, writs etc. must be passed immediately to Mahony & Company Ltd, P O Box 2626, Auckland.
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MARINE TRANSIT CLAIMS

  1. Obtain an exception before uplifting goods where damage, wetting or shortages are apparent.
  2. Don’t give a clean receipt to the parties delivering the goods to your premises in the above circumstances.
  3. All goods must be examined for hidden damage within five working days of receipt.
  4. Immediate notice must be given at first sight of damage to Mahony & Company Ltd, Vessel / Airline authorities, and all parties to be given the opportunity to sight the damage.
  5. Leave goods in their container / packing until a survey has been made. If it is imperative that unpacking commence, retain damaged packaging for Surveyors inspection.
  6. Lodge pro-forma claims with vessels agents / carriers and all other parties believed responsible, IMMEDIATELY damage becomes apparent.
  7. Check container for leaks and call for independent verification prior to releasing container if containerised cargo is water damaged.
  8. Do everything necessary to reduce the loss and safeguard the property if no survey is required. In all cases act as though cargo is uninsured.
  9. Lodge valued claims upon completion of claims assessment, against all those believed responsible for damage.
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MOTOR VEHICLE CLAIMS

  1. Take the vehicle to a Panelbeater or designated Assessing Centre and ask them to make immediate contact with your Insurance Company.  Providing you have completed a claim form, they will arrange for an Assessor to inspect the vehicle, or will authorise repairs.
  2. If the repair costs are under the Policy Excess and the accident involves another party, a claim form should still be completed, to protect you against a possible claim by the other party.
  3. If there are problems, ask the panelbeater to contact your Broker, or telephone him/her yourself.
  4. Your policy does not cover the cost of rental vehicles.  However, if the “Third Party” is responsible for the accident and they are insured, the majority of rental costs may be recoverable from them.
  5. Recovery of rental car costs and excess where the other party is responsible for the accident requires the following action:
  6. You pay the rental car costs or excess, and send the supporting documentation to Mahony & Company Ltd with a request to recover the costs. We will forward to your Insurers for action.
  7. Diary for one month to check the status of recovery with Mahony & Company Ltd.
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PROFESSIONAL INDEMNITY, STATUTORY LIABILITY, DIRECTORS & OFFICERS CLAIMS

  1. The insurance is arranged on a “claims made” basis. This means that the policy responds to claims first made against you during the policy period and notified to the Insurer during the policy period.
  2. It is important, therefore, that any claim or circumstances that you become aware of that may give rise to a claim (regardless of when the original clause or event giving rise to the claim occurred) are notified to the Underwriter prior to the expiry of the policy period.  Failure to notify will prejudice your rights to indemnity under the policy.
  3. Please note that it is a condition of the policy that “the Insured shall not admit liability for or settle any claim or incur any costs or expenses in connection therewith without the written consent of the Insurer”.
  4. It is prudent that you do not reveal the existence of this insurance to any other party.
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PUBLIC LIABILITY CLAIMS

  1. Immediately notify Mahony & Company Ltd giving details of the accident and any claim, impending prosecution or legal proceedings that may give rise to any action against you.
  2. Do not admit or deny liability verbally or in writing. Obtain names of witnesses and, if possible, photograph areas of damage.  When in doubt, discuss such actions with Mahony & Company Ltd or the Assessor appointed.
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TRAVEL CLAIMS

  1. Loss or damage whilst in the custody or carriers (such as airlines etc.) must be notified to such carriers, and a report obtained.
  2. Loss of baggage or money must be reported to the police promptly, and a report obtained.
  3. If you require hospitalisation, have lost your luggage, money, passports etc., or if you think you may need to curtail your trip, 24 hour Emergency Assistance is available by phoning one of the telephone numbers listed on your travel insurance policy folder or on the Corporate Travel Emergency Assistance card provided.
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