Making a Claim
It is crucial that you notify Aon as soon as you become aware of a circumstance that may eventuate into a claim.
Liability policies are issued on a “claims made” basis (with the exception of the Public Liability insurance). This means that the current policy responds to a claim notification even though the event causing the possible claim may have happened before the inception date of the policy, subject to it being inside the retroactive date noted in your policy schedule.
The Aon claims team works with the legal advisers appointed by insurers to achieve the best outcome for you if you need to make a claim against any of your Justitia arranged insurance policies.
Claims Process – Notifying Straight Away
You need to notify a member of the Aon claims team immediately after you become aware of a possible claim.
The typical claims process:
- You will be asked to complete a claim form.
- You will be asked to supplement the claim form with all documentation relevant to the claim, such as the letter of complaint, copy of terms of engagement, etc.
- When Aon receives the completed claim form and supporting documentation, it will be forwarded to the insurers for their consideration.
- Depending on the particular circumstances, the insurers may appoint a legal adviser from their designated panel.
- Aon will be advised of the insurers’ actions and will communicate relevant information back to you. Negotiations will continue until the situation is resolved.
- Resolution may involve you, the insurers, the appointed legal adviser and the Aon claims team.
Do not admit liability.
Do not enter into correspondence or discussion with the claimant without the insurers' consent or input.
Do not instruct legal advisers, or incur any legal or defence costs, without the prior written approval of the insurers.
Do not offer to settle the claim without the prior written approval of insurers.
Do co-operate with insurers in the defence of a claim.