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:
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.