How the Insurance Claims Process in South Africa Works


The insurance claims process in South Africa is simple to understand when you follow the claims procedure.  In the event of an insurance claim, you need to make sure that you can answer the following questions about the incident: who, what, when, where and how.

Your first step should be to write down exactly what happened as soon as possible.

You need to provide full contact details, the ID number and vehicle registration number (in a car accident) and the insurance information if a third party was responsible for the damage.

Keep in mind that it’s always advisable to submit a claim as soon as possible (within 24 hours.) Otherwise, you generally have to submit a claim within 60 days from the date of the event.

You should make sure that you have your insurance policy number on hand before you call your insurance company to inform them of your claim. You should have as much information as possible about the incident.

If criminal activity is involved, you should report this to the police station within 48 hours and ensure that you get a case number. Make a note of who you speak to, times and dates.

You should keep all documentation regarding your claim.  Keep it stored safely so that you can provide your insurance company with as much information as possible. This also makes the insurance claims process in South Africa more efficient and less time-consuming.

Insurance companies want to be prudent about assessing claims, which is why they will send a claims assessor to interview you following a claim. You should answer questions truthfully when a claims assessor interviews you.

Keep in mind that not all claims are straightforward. The process may be lengthy and time-consuming. If there is a court case, your claim will be subject to the outcome.




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