Claims Information
Understanding the claims process can feel overwhelming, especially during a difficult time. We're here to guide you through every step, ensuring your claim is handled efficiently and with care.
How to Submit a Claim
Follow these steps to ensure your claim is processed as quickly and smoothly as possible.
Contact Your Broker Immediately
As soon as an incident occurs, get in touch with your Kotfou broker by phone or email. Early notification allows us to advise you on immediate steps and begin the process without delay. The sooner we know, the faster we can help.
Gather Required Documentation
Collect all relevant documentation such as photographs of damage, police reports, your policy number, and any supporting evidence. Having your documents ready upfront significantly speeds up the claims process and reduces back-and-forth.
Complete and Submit Your Claim Form
Your broker will provide you with the appropriate claim form for your policy type. Complete it accurately and thoroughly — incomplete forms are the most common cause of delays. Your broker can assist you with filling in any sections you're unsure about.
Assessment and Investigation
Once your claim is submitted, the insurer will review all documentation and may appoint an assessor to evaluate the damage or loss. Depending on the nature of the claim, this may include a site visit or inspection. Your broker will keep you informed throughout.
Claim Decision and Communication
After the assessment, the insurer will approve, partially approve, or decline the claim based on the policy terms and evidence provided. Your broker will communicate the outcome to you, explain the decision, and advise on any next steps if needed.
Settlement and Payout
Once your claim is approved, the insurer will arrange the settlement. This may be a direct payout, a repair authorisation, or a replacement, depending on your policy terms. Your broker will ensure the settlement is fair and processed as quickly as possible.
Claim Forms
Select a claim form from the list below and submit it to us.
General Claim Form
For general insurance claims not covered by a specific form type.
Geyser Claim Form
For claims related to geyser damage, burst, or malfunction.
Vehicle Accident — Own Damage
For claiming damage to your own vehicle in an accident.
Vehicle Accident — Third Party Particulars
For recording third party details following a vehicle accident.
Vehicle Theft
For reporting and claiming vehicle theft or hijacking.
Body Corporate Claim Form
For body corporate and sectional title insurance claims.
What to Expect After Submitting
We understand the waiting period can be stressful. Here's what happens after your claim is submitted so you know exactly what to expect.
Acknowledgement
1 – 2 Business Days
Your claim is received and logged. You'll receive a reference number and confirmation that the process has begun.
Assessment
Varies by Claim Type
An assessor reviews your documentation and may arrange an inspection. Your broker will coordinate and keep you updated throughout.
Decision
After Assessment
The insurer communicates whether your claim is approved, partially approved, or declined. Your broker will explain the outcome and any options available to you.
Payout
Once Approved
Settlement is processed via direct payment, repair authorisation, or replacement. Your broker ensures the process is completed promptly and fairly.
Ready to Start Your Claim?
Whether you need to report an incident or have questions about the claims process, our team is here to help. Get in touch with us and we'll guide you through every step.
Get in Touch