We know that at the time of making a claim is when you need us the most, our priority is to make it as hassle-free as possible.
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General Answers FOR YOU…
Yes, all accidents must be reported to the police within 24 hours.
NB If you are involved in a motor vehicle accident, you must:
Yes, all accidents must be reported to BCIC, your broker or agent as soon as possible even if you do not intend to make a claim.
No, you must not admit fault or offer any payments.
Depending on the circumstances of the accident and the findings of our investigator (if we choose to appoint one) we will determine who is at fault. Sometimes we may determine that fault is shared between the drivers involved.
Excess is the amount you have to pay when you make a claim on your policy. The amount of excess is stated in your policy documents when you purchase the policy. When you make a claim we will either deduct your excesses from the amount we pay you, or ask you to pay the excesses to your repairer.
Yes but we will try to recover your excess from the third party’s insurance company and reimburse you. We may not always succeed but we will try our very best.
You will be required to pay your excess for every claim that you make.
This means that the cost to repair your vehicle is greater than the value of the vehicle.
No Claim Discount is a way in which insurers reward safe drivers. It is a discount you earn on an insurance premium annually if you do not claim on your insurance. Each year you are claim free, the amount increases. The maximum no claim discount is usually earned after five years. It is transferable from one insurance company to the next, from one vehicle to another and between countries. Usually, this is dependent on receipt of an original letter from your previous insurer. In the event of a claim, the no claim discount is reduced or disallowed according to the Company’s guidelines.
Most insurers offer a No Claim Discount, it is a discount you earn on an insurance premium annually if you do not claim on your insurance. However, if you are in an accident and it is not your fault, you will still lose your discount if you claim. BCIC is different, we offer a No Fault Discount, which means you do not lose your discount if you claim on your policy and you are not at fault.
Yes, we temporarily increase your sum insured around Christmas and family weddings by 10% for a month. You don’t have to do anything, we do this automatically.
Click here to see a breakdown of all the steps and timelines involved in your claim.
You do not have to claim from your policy. However, claiming from the other party may result in delays, especially if the other party reports that they are not at fault or they do not make a report to their insurer. Claiming from your own policy may be a quicker way to get a settlement.
Yes it will if you are found to be at fault or if we have not recovered the money paid to you.
You must obtain official substitute documents so that we may settle your claim
We will either pay you the market value of the motor vehicle or your sum insured, whichever is less.
We will ask that you get an estimate to repair the damage and take it from there.
The recovered vehicle now belongs to BCIC.
We authorize repairs to your damaged windscreen or windows within 24 hours of you reporting the damage.
You may bring in the vehicle if you wish but we do accept photographs of the damaged windshield or window(s).
Yes you will.
No
No, your No Fault Discount will not be affected.
Once there is damage to the vehicle you must make a claim for damage to the vehicle, you can not make a windscreen only claim.
Most insurers offer a No Claim Discount, it is a discount you earn on an insurance premium annually if you do not claim on your insurance. However, if you are in an accident and it is not your fault, you will still lose your discount if you claim. BCIC is different, we offer a No Fault Discount, which means you do not lose your discount if you claim on your policy and you are not at fault.
Yes. You are allowed to make one windscreen claim in any one policy year without it affecting your No Claim Discount. Although you can only claim once for a broken windscreen or window(s) the amount you may claim is unlimited.
Yes, we temporarily increase your sum insured around Christmas and family weddings by 10% for a month. You don;t have to do anything, we do this automatically.
Click here to see a breakdown of all the steps and timelines involved in your claim.
You do not have to claim from your policy. However, claiming from the other party may result in delays, especially if the other party reports that they are not at fault or they do not make a report to their insurer. Claiming from your own policy may be a quicker way to get a settlement.
The time it takes to settle a claim varies depending on the type of claim, click here to see timeline per type of claim.
Yes it will if you are found to be at fault or if we have not recovered the monies paid to you.
Yes you do, you will have to get official substitute documents to complete your claims settlement.
You must obtain official substitute documents so that we may settle your claim, here’s how:
To obtain a substitute registration certificate:
Step 1: Pay for a police letter at the tax office
Step 2: Report the matter to the police, who will provide you with a letter to be taken back to the tax office
Step 3: Present identification (e.g. your driver’s licence) and the police letter, to the tax office and request a form for substitute documents
Step 4: Pay the required fee, if necessary, following which a substitute registration certificate will be issued to you.
To obtain a substitute fitness certificate:
Step 1: Pay for a police letter at the tax office
Step 2: Report the matter to the police, who will provide you with a letter to be taken back to the tax office
Step 3: Present identification (e.g. your driver’s licence) and the police letter, to the tax office and you will be given a record of the vehicle’s particulars and the name and address of the owner
Step 4: Pay the examination fee and collect a receipt
Step 5: Take the receipt to the examination depot where your vehicle will be examined and a substitute certificate of fitness issued.
We will either pay you the market value of the motor vehicle or your sum insured, whichever is less.
We will ask that you get an estimate to repair the damage and take it from there.
The recovered vehicle now belongs to BCIC.
We authorise repairs to your damaged windscreen or windows within 24 hours of you reporting the damage.
You may bring in the vehicle if you wish but we do accept photographs of the damaged windshield or window(s).
Yes you will.
No
No, your No Fault Discount will not be affected.
Once there is damage to the vehicle you must make a claim for damage to the vehicle, you can not make a windscreen only claim.
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