How and when to report a claim on multi-risk insurance?

The process of participating in a claim in multi-risk insurance is like this.

The timely notification of a claim is essential to ensure a quick resolution and compensation. In order to do this, you must provide all necessary information, including the date, location, and description of the incident, as well as your contact information and that of any injured parties.  

In addition, there are specific deadlines for reporting the claim and a structured analysis process to ensure an efficient response. Learn all the details to ensure that your participation runs smoothly next.

What information needs to be provided to file a claim?  

According to the Western insurer, these are the information you must provide when reporting the claim: 

• Data, location and description of the claim.

• Identification and contact information of the person and the injured parties (if any): Name, address, telephone, mobile, and email;  

The indication of contacts is essential for the insurer to establish first contact with all parties involved in the claim.

What are the deadlines for participating in the claim?  

The insurance company Ocidental explains that these are the deadlines to comply with to report the claim:  

• On the same day or the day after the incident.

• If it is not possible to meet this deadline, you must respond within a maximum of 8 days after becoming aware of the incident.

The quicker you participate, the better conditions the insurer will have to settle the claim.

If you want the compensation to be credited to another bank account other than the one associated with the policy, you must provide the IBAN when reporting the claim (accompanied by the bank statement).

Next, these are the phases of the process of analysis and resolution of the claim:

1. Participation

1. Definition of responsibility

1. Closure and payment

These are the average deadlines of the process: 

• Opening and acceptance of the claim: 2 business days

• Peritagem realization: 2 business days after acceptance.

• Expert report: 15 business days

• Closing and payment: 5 business days

If the reported situation is not covered by any contracted coverage, the same is justified in writing.

Read more: Home multi-risk insurance: What are the essential coverages?

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