Claim Procedure General:

Claim Procedure:

At Alfalah insurance we consider the claim to be our end product and endeavor best to reduce the suffering of our insured clients to minimum. An understanding and adherence to the following procedure(s) will assist us greatly in a swift and equitable settlement of the claim with your assistance.

1.1 Notify Us: An event resulting in a loss or damage under the specific policy shall be reported to the Company as soon as possible. Keep your policy and/or certificate of insurance handy and advise their number, location of loss, type of damage and contact numbers of person concerned.

1.2 Appointment of Surveyor: The Company will, depending on the magnitude of loss, appoint either an officer of the company or a SECP certified loss adjuster to inspect and adjust the loss in line with the terms, exclusions and conditions of the specific policy.

1.3 Provide information: Please Provide all required documents enlisted in the specific portion of this section, fill up the claim file and co operate with the surveyor for any other information(s) that the company or surveyor may require. This will assist us in an expeditious settlement of the claim.

1.4 Settlement and acceptance: The surveyor after assessing the loss will settle the claim with your agreement and may request you to sign an acceptance where after the survey report along with all requisite documents will be issued by the loss adjusters advising the payable amount with due consideration to depreciation and/or under insurance if applicable.

1.5 Payment of claim: the payment of claim is made through a cross cheque in the name of the insured or in joint names where a Bank or any other lending agency is involved. The payments in motor claims are generally made to the workshops directly. Third party and other liability claims will be paid to the aggrieved party.

1.6 Disputed Claims: It is our utmost desires to settle every individual claim amicably however, there may, at times, be some dispute either on the matter of liability or amount of claim. Generally the representatives of the company such as the agent or broker, the claims manager and Branch manager are in continuous contact with the client to avoid such situations and in case you are not satisfied please take further action as per the Complaint section.

1.7 The documents requirements in the relevant sections are indicative only. Additional information/documents may be required in certain cases.

Study your policy document to ensure that the loss you are going to report is covered under the policy. In case of doubt contact the company.

Dispute, Dissatisfaction, Complains

1.8 In case of a dispute or dissatisfaction you may approach any of the following.

1.9 Contact the branch manager or claim manager of the branch.

1.10 Contact the claims head at head office on 042 111 786 234

Guidline For Specefic Reporting

Fire and other property claims

Marine Import/Export Claims

Marine Inland (goods in transit) Claim

Motor-Own Damage/ third party claims

Motor Theft Claims

Burglary/snatching, Cash

Personal accident / Workman's Compensation

Machinery Breakdown/Electronic Equipment

Health Insurance Claim