{"id":1603,"date":"2022-03-05T06:36:28","date_gmt":"2022-03-05T06:36:28","guid":{"rendered":"https:\/\/bciconline.com\/2022-website\/?page_id=1603"},"modified":"2025-01-29T16:28:16","modified_gmt":"2025-01-29T21:28:16","slug":"claims-faqs","status":"publish","type":"page","link":"https:\/\/bciconline.com\/ba\/claims-faqs\/","title":{"rendered":"Claims FAQs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1603\" class=\"elementor elementor-1603\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-c250a12 elementor-section-stretched elementor-section-height-min-height elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-items-middle\" data-eae-slider=\"44835\" data-id=\"c250a12\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0cecda4\" data-eae-slider=\"14889\" data-id=\"0cecda4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-5529dd3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"85136\" data-id=\"5529dd3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6b42306\" data-eae-slider=\"86738\" data-id=\"6b42306\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d14331d elementor-widget elementor-widget-text-editor\" data-id=\"d14331d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tClaims FAQs<span style=\"color: #ff0000;\">.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3174411 elementor-widget elementor-widget-text-editor\" data-id=\"3174411\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f39e11 elementor-widget__width-auto elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"6f39e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--symbolab ha-eft--back-in-right\" href=\"https:\/\/bciconline.com\/report-claim\/\" rel=\"nofollow\">Report a Claim<i aria-hidden=\"true\" class=\"icon icon-arrow-right\"><\/i><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-9c81e3b elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"46397\" data-id=\"9c81e3b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-96e560d\" data-eae-slider=\"26772\" data-id=\"96e560d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad93854 elementor-widget__width-auto elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ad93854\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:246-621-7340\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-phone-call1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">or <B>Call us<\/b> 246-621-7340<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c30675f elementor-widget__width-auto ha-advanced-tooltip-enable ha-advanced-tooltip-right elementor-mobile-align-start elementor-widget-mobile__width-inherit ha-advanced-tooltip-mobile-bottom elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c30675f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ha_advanced_tooltip_content&quot;:&quot;Click to contact us&quot;,&quot;ha_advanced_tooltip_enable&quot;:&quot;enable&quot;,&quot;ha_advanced_tooltip_position&quot;:&quot;right&quot;,&quot;ha_advanced_tooltip_animation&quot;:&quot;ha_slideInDown&quot;,&quot;ha_advanced_tooltip_position_mobile&quot;:&quot;bottom&quot;,&quot;ha_advanced_tooltip_duration&quot;:1000,&quot;ha_advanced_tooltip_arrow&quot;:&quot;true&quot;,&quot;ha_advanced_tooltip_trigger&quot;:&quot;hover&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:1-888-227-7478\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-mail-open\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Email us<\/b> info@bcicbarbados.com<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-bea4bbe elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"76860\" data-id=\"bea4bbe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a36711a\" data-eae-slider=\"28343\" data-id=\"a36711a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d241c39 elementor-widget elementor-widget-text-editor\" data-id=\"d241c39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>scroll for more<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ab9365 elementor-widget__width-inherit e-transform elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5ab9365\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:25,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-down-arrow\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a8bb9e\" data-eae-slider=\"640\" data-id=\"5a8bb9e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-51512dc elementor-section-height-min-height elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default\" data-eae-slider=\"50961\" data-id=\"51512dc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-73aa80f\" data-eae-slider=\"40843\" data-id=\"73aa80f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b90f25 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"0b90f25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"845\" height=\"835\" src=\"https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_CLAIMS.png\" class=\"attachment-large size-large wp-image-5141\" alt=\"\" srcset=\"https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_CLAIMS.png 845w, https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_CLAIMS-300x296.png 300w, https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_CLAIMS-768x759.png 768w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-28d1a0a\" data-eae-slider=\"46912\" data-id=\"28d1a0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-3d41dda6 elementor-section-content-middle elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"48867\" data-id=\"3d41dda6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6b898d00\" data-eae-slider=\"73036\" data-id=\"6b898d00\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:68,&quot;end&quot;:84}},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-48c1a51d elementor-section-content-middle animated-slow elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-eae-slider=\"27493\" data-id=\"48c1a51d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:300,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-104e3cc6\" data-eae-slider=\"78973\" data-id=\"104e3cc6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cbf1985 elementor-widget elementor-widget-ekit-nav-menu\" data-id=\"2cbf1985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ekit-nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<nav class=\"ekit-wid-con ekit_menu_responsive_mobile\"\n\t\t\tdata-hamburger-icon=\"\"\n\t\t\tdata-hamburger-icon-type=\"icon\"\n\t\t\tdata-responsive-breakpoint=\"767\">\n\t\t\t            <button class=\"elementskit-menu-hamburger elementskit-menu-toggler\"  type=\"button\" aria-label=\"hamburger-icon\">\n                                    <span class=\"elementskit-menu-hamburger-icon\"><\/span><span class=\"elementskit-menu-hamburger-icon\"><\/span><span class=\"elementskit-menu-hamburger-icon\"><\/span>\n                            <\/button>\n            <div id=\"ekit-megamenu-claims\" class=\"elementskit-menu-container elementskit-menu-offcanvas-elements elementskit-navbar-nav-default ekit-nav-menu-one-page-no ekit-nav-dropdown-hover\"><ul id=\"menu-claims\" class=\"elementskit-navbar-nav elementskit-menu-po-left submenu-click-on-icon\"><li id=\"menu-item-378\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-378 nav-item elementskit-dropdown-has relative_position elementskit-dropdown-menu-default_width elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"#\" class=\"ekit-menu-nav-link ekit-menu-dropdown-toggle\">Explore Claims<i aria-hidden=\"true\" class=\"icon icon-down-arrow1 elementskit-submenu-indicator\"><\/i><\/a>\n<ul class=\"elementskit-dropdown elementskit-submenu-panel\">\n\t<li id=\"menu-item-379\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-379 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/motor-claims\/\" class=\" dropdown-item\">Motor Claims<\/a>\t<li id=\"menu-item-380\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-380 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/motor-claims\/\" class=\" dropdown-item\">Motor Claim ( Theft, Fire, Flood or Lightening)<\/a>\t<li id=\"menu-item-381\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-381 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/motor-claims\/\" class=\" dropdown-item\">Motor Windscreen Claim Process (GLASS ONLY)<\/a>\t<li id=\"menu-item-382\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-382 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/home-contents\/\" class=\" dropdown-item\">HOME &#038; CONTENTS<\/a>\t<li id=\"menu-item-383\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-383 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/motorcycle-claim\/\" class=\" dropdown-item\">Motorcycle Claim Claim-Comprehensive\/ Third Party<\/a>\t<li id=\"menu-item-384\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-384 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/motorcycle-claim\/\" class=\" dropdown-item\">MotorCycle Claim ( Theft)<\/a>\t<li id=\"menu-item-385\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-385 nav-item elementskit-mobile-builder-content\" data-vertical-menu=750px><a href=\"https:\/\/bciconline.com\/ba\/employer-public-liability\/\" class=\" dropdown-item\">Employer\u2019 &#038; Public Liability<\/a><\/ul>\n<\/li>\n<\/ul><div class=\"elementskit-nav-identity-panel\"><button class=\"elementskit-menu-close elementskit-menu-toggler\" type=\"button\">X<\/button><\/div><\/div>\n\t\t\t<div class=\"elementskit-menu-overlay elementskit-menu-offcanvas-elements elementskit-menu-toggler ekit-nav-menu--overlay\"><\/div>        <\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-383df0c0\" data-eae-slider=\"15778\" data-id=\"383df0c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5de77a31 elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"5de77a31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--symbolab ha-eft--back-in-right\" href=\"https:\/\/bciconline.com\/ba\/ba\/report-claim\/\" rel=\"nofollow\">Report a Claim<i aria-hidden=\"true\" class=\"icon icon-arrow-right\"><\/i><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-318306c1\" data-eae-slider=\"83204\" data-id=\"318306c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-278e7920\" data-eae-slider=\"17796\" data-id=\"278e7920\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-443da694 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"87699\" data-id=\"443da694\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6103b373\" data-eae-slider=\"72301\" data-id=\"6103b373\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fe38075 elementor-widget elementor-widget-text-editor\" data-id=\"2fe38075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>General Answers <em><strong>FOR YOU<span style=\"color: #ff0000;\">&#8230;<\/span><\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-415b93a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"97124\" data-id=\"415b93a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c928b3\" data-eae-slider=\"53599\" data-id=\"9c928b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5c478d ha-accordion--icon-right elementor-widget elementor-widget-ha-accordion happy-addon ha-accordion happy-addon-pro\" data-id=\"b5c478d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"ha-accordion__wrapper\" role=\"tablist\">\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1901\" class=\"ha-accordion__item-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1901\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do all road accidents need to be reported to the police?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1901\" class=\"ha-accordion__item-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1901\">\n                        <p><span style=\"font-weight: 400;\">Yes, all accidents must be reported to the police within 24 hours.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">NB If you are involved in a motor vehicle accident, you must:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stop to exchange name, address, Insurance provider and Driver&#8217;s License\u00a0 with the other party \u2013 unless you are unable to stop because it is unsafe to do so, in which case you should drive to the nearest police station.<\/span><\/li><\/ul>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1902\" class=\"ha-accordion__item-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1902\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do all road accidents need to be reported to my insurer even if I do not plan on making a claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1902\" class=\"ha-accordion__item-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1902\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1903\" class=\"ha-accordion__item-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1903\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Should I admit that I am at fault or offer to pay anyone involved in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1903\" class=\"ha-accordion__item-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1903\">\n                        <p><span style=\"font-weight: 400;\">No, you must not admit fault or offer any payments.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1904\" class=\"ha-accordion__item-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1904\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How is it determined who is at fault in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1904\" class=\"ha-accordion__item-content\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1904\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1905\" class=\"ha-accordion__item-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1905\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Why is Excess being deducted from my claims payment?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1905\" class=\"ha-accordion__item-content\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1905\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1906\" class=\"ha-accordion__item-title\" data-tab=\"6\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1906\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I still have to pay excess if I'm not at fault in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1906\" class=\"ha-accordion__item-content\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1906\">\n                        <p><span style=\"font-weight: 400;\">Yes but we will try to recover your excess from the third party\u2019s insurance company and reimburse you. We may not always succeed but we will try our very best.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1907\" class=\"ha-accordion__item-title\" data-tab=\"7\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1907\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Is the Excess applicable per claim or per year?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1907\" class=\"ha-accordion__item-content\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1907\">\n                        <p><span style=\"font-weight: 400;\">You will be required to pay your excess for every claim that you make.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1908\" class=\"ha-accordion__item-title\" data-tab=\"8\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1908\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I was told that my vehicle is a total loss. What does that mean?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1908\" class=\"ha-accordion__item-content\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1908\">\n                        <p><span style=\"font-weight: 400;\">This means that the cost to repair your vehicle is greater than the value of the vehicle. <\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1909\" class=\"ha-accordion__item-title\" data-tab=\"9\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1909\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a No Claim Bonus\/Discount and how does it work?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1909\" class=\"ha-accordion__item-content\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1909\">\n                        <p><span style=\"font-weight: 400;\">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&#8217;s guidelines.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19010\" class=\"ha-accordion__item-title\" data-tab=\"10\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19010\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span>?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19010\" class=\"ha-accordion__item-content\" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19010\">\n                        <p><span style=\"font-weight: 400;\">Most insurers offer a No Claim Discount,\u00a0 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.\u00a0 BCIC is different, we offer a <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span>, which means you do not lose your discount if you claim on your policy and you are not at fault.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19011\" class=\"ha-accordion__item-title\" data-tab=\"11\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19011\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my windscreen is broken can I make a claim without it affecting my No Claim Discount?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19011\" class=\"ha-accordion__item-content\" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19011\">\n                        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.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19012\" class=\"ha-accordion__item-title\" data-tab=\"12\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19012\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Does my homeowners or renters insurance cover my Christmas or wedding gifts?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19012\" class=\"ha-accordion__item-content\" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19012\">\n                        <p><span style=\"font-weight: 400;\">Yes, we temporarily\u00a0 increase your sum insured around Christmas and family weddings by 10% for a month. You don&#8217;t have to do anything, we do this automatically.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19013\" class=\"ha-accordion__item-title\" data-tab=\"13\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19013\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What are the next steps after I have reported my motor vehicle accident to you? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19013\" class=\"ha-accordion__item-content\" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19013\">\n                        <p><a href=\"https:\/\/bciconline.com\/ba\/the-claims-process\/\">Click here<\/a> to see a breakdown of all the steps and timelines involved in your claim.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19014\" class=\"ha-accordion__item-title\" data-tab=\"14\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19014\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If I am not at fault why do I have to claim from my policy? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19014\" class=\"ha-accordion__item-content\" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19014\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19015\" class=\"ha-accordion__item-title\" data-tab=\"15\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19015\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How long will it take to get my settlement? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19015\" class=\"ha-accordion__item-content\" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19015\">\n                        The time it takes to settle a claim varies depending on the type of claim, click here to see timeline per type of claim.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19016\" class=\"ha-accordion__item-title\" data-tab=\"16\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19016\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will settling from my motor policy affect my premium? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19016\" class=\"ha-accordion__item-content\" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19016\">\n                        <p><span style=\"font-weight: 400;\">Yes it will if you are found to be at fault or if we have not recovered the money paid to you.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19017\" class=\"ha-accordion__item-title\" data-tab=\"17\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19017\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I need my original documents if my motor vehicle is stolen to settle my claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19017\" class=\"ha-accordion__item-content\" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19017\">\n                        Yes you do, you will have to get official substitute documents to complete your claims settlement.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19018\" class=\"ha-accordion__item-title\" data-tab=\"18\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19018\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What are the next steps after I have reported my motor vehicle accident to you? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19018\" class=\"ha-accordion__item-content\" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19018\">\n                        Click here to see a breakdown of all the steps and timelines involved in your claim.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19019\" class=\"ha-accordion__item-title\" data-tab=\"19\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19019\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What should I do if my original documents are stolen with my motor vehicle?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19019\" class=\"ha-accordion__item-content\" data-tab=\"19\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19019\">\n                        <p><span style=\"font-weight: 400;\">You must obtain official substitute documents so that we may settle your claim<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19020\" class=\"ha-accordion__item-title\" data-tab=\"20\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19020\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my motor vehicle is stolen, will I get back the full amount I insured it for?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19020\" class=\"ha-accordion__item-content\" data-tab=\"20\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19020\">\n                        <p><span style=\"font-weight: 400;\">We will either pay you the market value of the motor vehicle or your sum insured, whichever is less.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19021\" class=\"ha-accordion__item-title\" data-tab=\"21\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19021\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I reported my motor vehicle stolen but it has since been recovered, what happens now?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19021\" class=\"ha-accordion__item-content\" data-tab=\"21\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19021\">\n                        <p><span style=\"font-weight: 400;\">We will ask that you get an estimate to repair the damage and take it from there.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19022\" class=\"ha-accordion__item-title\" data-tab=\"22\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19022\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I reported my motor vehicle stolen and received a claims settlement but it has since been recovered, what happens now?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19022\" class=\"ha-accordion__item-content\" data-tab=\"22\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19022\">\n                        <p><span style=\"font-weight: 400;\">The recovered vehicle now belongs to BCIC.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19023\" class=\"ha-accordion__item-title\" data-tab=\"23\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19023\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How soon can my damaged windscreen or windows be replaced?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19023\" class=\"ha-accordion__item-content\" data-tab=\"23\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19023\">\n                        <p><span style=\"font-weight: 400;\">We authorize repairs to your damaged windscreen or windows within 24 hours of you reporting the damage.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19024\" class=\"ha-accordion__item-title\" data-tab=\"24\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19024\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I need to bring in my vehicle for you to inspect the damaged windscreen or window for my claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19024\" class=\"ha-accordion__item-content\" data-tab=\"24\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19024\">\n                        <p><span style=\"font-weight: 400;\">You may bring in the vehicle if you wish but we do accept photographs of the damaged windshield or window(s).<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19025\" class=\"ha-accordion__item-title\" data-tab=\"25\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19025\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will I get the full cost to replace my windshield or damaged window if I claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19025\" class=\"ha-accordion__item-content\" data-tab=\"25\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19025\">\n                        <p><span style=\"font-weight: 400;\">Yes you will. <\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19026\" class=\"ha-accordion__item-title\" data-tab=\"26\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19026\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I have to pay excess on windshield and window claims?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19026\" class=\"ha-accordion__item-content\" data-tab=\"26\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19026\">\n                        <p>No<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19027\" class=\"ha-accordion__item-title\" data-tab=\"27\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19027\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will my <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span> be affected if I make a windshield claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19027\" class=\"ha-accordion__item-content\" data-tab=\"27\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19027\">\n                        <p><span style=\"font-weight: 400;\">No, your <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span> will not be affected.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-19028\" class=\"ha-accordion__item-title\" data-tab=\"28\" role=\"tab\" aria-controls=\"ha-accordion__item-content-19028\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Can I claim only for windscreen or window damage if there is other damage to the vehicle?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-19028\" class=\"ha-accordion__item-content\" data-tab=\"28\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-19028\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-2c5fce1 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"38975\" data-id=\"2c5fce1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-49a1536\" data-eae-slider=\"54305\" data-id=\"49a1536\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-7631da7\" data-eae-slider=\"66690\" data-id=\"7631da7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a08687b ha-accordion--icon-right elementor-widget elementor-widget-ha-accordion happy-addon ha-accordion happy-addon-pro\" data-id=\"a08687b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"ha-accordion__wrapper\" role=\"tablist\">\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1681\" class=\"ha-accordion__item-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1681\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do all road accidents need to be reported to the police?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1681\" class=\"ha-accordion__item-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1681\">\n                        Yes, all accidents must be reported to the police within 24 hours.<\/span>\n\nNB If you are involved in a motor vehicle accident, you must:<\/span>\n<ul>\n \t<li aria-level=\"1\"><span style=\"font-weight: 00;\">Stop to exchange name, address, Insurance provider and, Driver&#8217;s License\u00a0 with the other party \u2013 unless yu are unable to stop because it is unsafe to do so, in which case you should drive to the nearest police station.<\/span><\/li>\n<\/ul>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1682\" class=\"ha-accordion__item-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1682\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do all road accidents need to be reported to my insurere even if I do not plan on making a claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1682\" class=\"ha-accordion__item-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1682\">\n                        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.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1683\" class=\"ha-accordion__item-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1683\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Should I admit that I am at fault or offer to pay anyone involved in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1683\" class=\"ha-accordion__item-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1683\">\n                        No you must not admit fault or offer any payments.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1684\" class=\"ha-accordion__item-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1684\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How is it determined who is at fault in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1684\" class=\"ha-accordion__item-content\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1684\">\n                        Depending on the circumstances of the accident and the fidings 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.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1685\" class=\"ha-accordion__item-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1685\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Why is Excess being deducted from my claims payment?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1685\" class=\"ha-accordion__item-content\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1685\">\n                        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.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1686\" class=\"ha-accordion__item-title\" data-tab=\"6\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1686\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I still have to pay exces if I'm not at fault in a motor vehicle accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1686\" class=\"ha-accordion__item-content\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1686\">\n                        Yes but we will try to recover your excess from the third party\u2019s insurance company and reimburse you. We may not always succeed but we will try our very best.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1687\" class=\"ha-accordion__item-title\" data-tab=\"7\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1687\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Is the Excess applicable per claimor per year?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1687\" class=\"ha-accordion__item-content\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1687\">\n                        You will be required to pay your excess for every claim that you make.\n                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1688\" class=\"ha-accordion__item-title\" data-tab=\"8\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1688\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I was told that my vehicle is a total loss. What does that mean?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1688\" class=\"ha-accordion__item-content\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1688\">\n                        This means that the cost to repair your vehicle is greater than the value of the vehicle.                     <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1689\" class=\"ha-accordion__item-title\" data-tab=\"9\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1689\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a No Claim Bonus\/Discount and how does it work?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1689\" class=\"ha-accordion__item-content\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1689\">\n                        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&#8217;s guidelines.\n                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16810\" class=\"ha-accordion__item-title\" data-tab=\"10\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16810\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span>?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16810\" class=\"ha-accordion__item-content\" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16810\">\n                        <p><span style=\"font-weight: 400;\">Most insurers offer a No Claim Discount,\u00a0 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.\u00a0 BCIC is different, we offer a <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span>, which means you do not lose your discount if you claim on your policy and you are not at fault.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16811\" class=\"ha-accordion__item-title\" data-tab=\"11\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16811\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my windscreen is broken can I make a claim without it affecting my No Claim Discount?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16811\" class=\"ha-accordion__item-content\" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16811\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16812\" class=\"ha-accordion__item-title\" data-tab=\"12\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16812\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Does my homeowners or renters insurance cover my Christmas or wedding gifts?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16812\" class=\"ha-accordion__item-content\" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16812\">\n                        <p><span style=\"font-weight: 400;\">Yes, we temporarily\u00a0 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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16813\" class=\"ha-accordion__item-title\" data-tab=\"13\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16813\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What are the next steps after I have reported my motor vehicle accident to you? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16813\" class=\"ha-accordion__item-content\" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16813\">\n                        <p><span style=\"font-weight: 400;\">Click here to see a breakdown of all the steps and timelines involved in your claim.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16814\" class=\"ha-accordion__item-title\" data-tab=\"14\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16814\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If I am not at fault why do I have to claim from my policy? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16814\" class=\"ha-accordion__item-content\" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16814\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16815\" class=\"ha-accordion__item-title\" data-tab=\"15\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16815\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How long will it take to get my settlement? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16815\" class=\"ha-accordion__item-content\" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16815\">\n                        <p><span style=\"font-weight: 400;\">The time it takes to settle a claim varies depending on the type of claim, click here to see timeline per type of claim.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16816\" class=\"ha-accordion__item-title\" data-tab=\"16\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16816\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will settling from my motor policy affect my premium? <\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16816\" class=\"ha-accordion__item-content\" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16816\">\n                        <p><span style=\"font-weight: 400;\">Yes it will if you are found to be at fault or if we have not recovered the monies paid to you.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16817\" class=\"ha-accordion__item-title\" data-tab=\"17\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16817\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I need my original documents if my motor vehicle is stolen to settle my claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16817\" class=\"ha-accordion__item-content\" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16817\">\n                        <p><span style=\"font-weight: 400;\">Yes you do, you will have to get official substitute documents to complete your claims settlement.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16818\" class=\"ha-accordion__item-title\" data-tab=\"18\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16818\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What should I do if my original documents are stolen with my motor vehicle?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16818\" class=\"ha-accordion__item-content\" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16818\">\n                        <p><strong>You must obtain official substitute documents so that we may settle your claim, here\u2019s how:<\/strong><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">To obtain a\u00a0 substitute registration certificate:<\/span><\/p><p><span style=\"font-weight: 400;\">Step 1: Pay for a police letter at the tax office\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Step 2: Report the matter to the police, who will provide you with a letter to be taken back to the tax office<\/span><\/p><p><span style=\"font-weight: 400;\">Step 3: Present identification (e.g. your driver\u2019s licence) and the police letter, to the tax office and request a form for substitute documents<\/span><\/p><p><span style=\"font-weight: 400;\">Step 4: Pay the required fee, if necessary, following which a substitute registration certificate will be issued to you.<\/span><\/p><p>\u00a0<\/p><p>\u00a0<\/p><p><strong>To obtain a\u00a0 substitute fitness certificate:<\/strong><\/p><p><span style=\"font-weight: 400;\">Step 1: Pay for a police letter at the tax office\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Step 2: Report the matter to the police, who will provide you with a letter to be taken back to the tax office<\/span><\/p><p><span style=\"font-weight: 400;\">Step 3: Present identification (e.g. your driver\u2019s licence) and the police letter, to the tax office and you will be given a record of the vehicle&#8217;s particulars and the name and address of the owner<\/span><\/p><p><span style=\"font-weight: 400;\">Step 4: Pay the examination fee and collect a receipt<\/span><\/p><p><span style=\"font-weight: 400;\">Step 5: Take the receipt to the examination depot where your vehicle will be examined and a substitute certificate of fitness issued.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16819\" class=\"ha-accordion__item-title\" data-tab=\"19\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16819\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my motor vehicle is stolen, will I get back the full amount I insured it for?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16819\" class=\"ha-accordion__item-content\" data-tab=\"19\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16819\">\n                        <p><span style=\"font-weight: 400;\">We will either pay you the market value of the motor vehicle or your sum insured, whichever is less.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16820\" class=\"ha-accordion__item-title\" data-tab=\"20\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16820\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I reported my motor vehicle stolen but it has since been recovered, what happens now?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16820\" class=\"ha-accordion__item-content\" data-tab=\"20\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16820\">\n                        <p><span style=\"font-weight: 400;\">We will ask that you get an estimate to repair the damage and take it from there.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16821\" class=\"ha-accordion__item-title\" data-tab=\"21\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16821\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I reported my motor vehicle stolen and received a claims settlement but it has since been recovered, what happens now?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16821\" class=\"ha-accordion__item-content\" data-tab=\"21\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16821\">\n                        <p><span style=\"font-weight: 400;\">The recovered vehicle now belongs to BCIC.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16822\" class=\"ha-accordion__item-title\" data-tab=\"22\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16822\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How soon can my damaged windscreen or windows be replaced?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16822\" class=\"ha-accordion__item-content\" data-tab=\"22\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16822\">\n                        <p><span style=\"font-weight: 400;\">We authorise repairs to your damaged windscreen or windows within 24 hours\u00a0<\/span><span style=\"font-weight: 400;\">of you reporting the damage.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16823\" class=\"ha-accordion__item-title\" data-tab=\"23\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16823\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I need to bring in my vehicle for you to inspect the damaged windscreen or window for my claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16823\" class=\"ha-accordion__item-content\" data-tab=\"23\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16823\">\n                        <p><span style=\"font-weight: 400;\">You may bring in the vehicle if you wish but we do accept photographs of the damaged windshield or window(s).<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16824\" class=\"ha-accordion__item-title\" data-tab=\"24\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16824\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will I get the full cost to replace my windshield or damaged window if I claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16824\" class=\"ha-accordion__item-content\" data-tab=\"24\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16824\">\n                        <p><span style=\"font-weight: 400;\">Yes you will. <\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16825\" class=\"ha-accordion__item-title\" data-tab=\"25\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16825\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I have to pay excess on windshield and window claims?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16825\" class=\"ha-accordion__item-content\" data-tab=\"25\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16825\">\n                        <p><span style=\"font-weight: 400;\">No<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16826\" class=\"ha-accordion__item-title\" data-tab=\"26\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16826\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will my <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span> be affected if I make a windshield claim?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16826\" class=\"ha-accordion__item-content\" data-tab=\"26\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16826\">\n                        <p><span style=\"font-weight: 400;\">No, your <span class='tooltipsall tooltipsincontent classtoolTips1'>No Fault Discount<\/span> will not be affected.<\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-16827\" class=\"ha-accordion__item-title\" data-tab=\"27\" role=\"tab\" aria-controls=\"ha-accordion__item-content-16827\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Can I claim only for windscreen or window damage if there is other damage to the vehicle?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-16827\" class=\"ha-accordion__item-content\" data-tab=\"27\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-16827\">\n                        <p><span style=\"font-weight: 400;\">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.<\/span><\/p>                    <\/div>\n                <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-f300c44\" data-eae-slider=\"94328\" data-id=\"f300c44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<script type=\"text\/javascript\"> toolTips('.classtoolTips1','Are you a safe driver? Get up to 60% discount with BCIC when you drive accident free.'); <\/script>","protected":false},"excerpt":{"rendered":"<p>Claims FAQs. 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. Report a Claim or Call us 246-621-7340 Email us info@bcicbarbados.com scroll for more Explore Claims Motor Claims Motor Claim ( Theft, Fire, Flood or Lightening) Motor [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1603","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/1603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/comments?post=1603"}],"version-history":[{"count":46,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/1603\/revisions"}],"predecessor-version":[{"id":5144,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/1603\/revisions\/5144"}],"wp:attachment":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/media?parent=1603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}