Property Damage Claims

Minor Damage
Medium Damage
Large Scale Damage

 

Public and Products Liability Claims

  • If personal injury has occurred, ensure appropriate medical treatment is sought
  • If property damage has occurred, ensure the area is safe and secure and cease the operation which may have caused the damage
  • Do not admit liability in the event of an accident or potential claim
  • Ensure all details are captured of the event which has occurred. Refer to our claim forms here for the document to use as a reference
  • Take photographs of any damage and the areas adjacent to the site
  • Request contact details of all parties witness to the event
  • Submit claim details and all supporting information (photographs etc) noted above to Challenge Insurance Services (via email or post)
  • Forward any subsequent notification you may receive (i.e letter of intent) to Challenge Insurance Services
  • Written notice must be received of a third parties intent to pursue compensation for damages to people or property for your insurance policy to respond

Motor Vehicle Claims

  • After accident, move vehicles off the road and away from the potential danger of another accident. 
    DO NOT STAND ON THE ROAD OR INBETWEEN BOTH VEHICLES.
    Move as far away from the road as possible
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  • Check with all parties that no injuries are apparent, if any injury is apparent request an ambulance using the ‘000’ service.
  • Do not admit liability of any form.  Simply state that you have vehicle insurance in place and your insurer will deal with the other party regarding all matters of liability. You do not have the right to waive your insurer’s rights by admitting liability prior to your insurer reviewing the claim details
  • If drivers are fit for conversation, take the details of each others licence (mobile phone photograph is suggested)
  • Take the details of the other vehicle, importantly the registration number
  • Take the contact phone number of the other party, request to test the phone number while you are both present to ensure you have correctly noted the number
  • Contact the police to report the accident
  • Contact your insurer, details here to lodge the claim by telephone, allowing you to provide details while they are current
  • If the vehicle is not roadworthy, arrange for a tow truck to remove the vehicle to their towing yard or a preferred repairer of your choice. If you have phoned your insurer as per the step above, the insurer will arrange this on your behalf
  • If the vehicle is still roadworthy, take the vehicle to your preferred repairer and have 1 quote for repairs conducted.
  • Forward this quote for repair to Challenge Insurance Services
  • Challenge Insurance Services or the insurer will contact you to confirm repairs have been authorised and provide instruction on how to pay any excess that may be due

Professional Indemnity / Management Liability / Directors & Officers Claims

  • If personal injury has occurred, ensure appropriate medical treatment is sought
  • where financial loss has been notified, collate all relevant information from the third party
  • Do not admit liability, advise the third party you will undertake review of the circumstances and reply with response in due course
  • Collate all details surrounding the event/s that have led to the notification of loss by a third party. Refer to our claim forms here for the document to use as a reference
  • submit claim details and all supporting information (i.e copies of reports/advice/financial statements etc) to Challenge Insurance Services (via email or post)
  • Forward any subsequent notification you may receive (i.e letter of intent) to Challenge Insurance Services
  • Important to note that even a notification of a potential claim against your company should be treated in the same manner as though a claim has occurred. Being a ‘claims made’ policy it is a requirement that all notifications are declared to your insurer during the policy period for the policy to respond

Workers compensation

  • Following injury to personnel, seek first aid or medical treatment as a priority
  • Notify the medical provider the injury is a Workers Compensation claim and ensure a ‘First Medical Certificate’ is issued by the health provider
  • The Employer is to complete the ‘Employers Report’ claim form; the injured worker is to complete the ‘Injured Workers 2B claim form’. The employer is to forward their completed form to Challenge Insurance Services within 3 working days of the incident, the Worker is to forward their completed 2B claim form within 5 working days of the event.
  • The insurer has 14 days to assess the claim and can either a) accept the claim, b) dispute the claim or c) pend the claim
  • Challenge Insurance Services and the appointed claims officer of the insurer will work closely with both the employer and the employee to ensure a beneficial outcome. The insurer can assist with the development of a ‘Return to Work’ program if the employer does not already have suitable alternative duties available for the injured worker during rehabilitation
  • if the Worker is not satisfied with the insurers decision they are entitled to contact Worker WA’s advisory service on 1300 794 744