Accidents are unpredictable but if one should happen we are ready to help you. The best way to deal with an accident is to stay calm and be prepared. Here are some tips that you can follow in order to be ready for the unexpected:

  • Make certain that all your vehicle documents (insurance certificate or cover note, certificates of fitness and registration) are current and easily accessible from your glove compartment.
  • Ensure that your phone is always charged and if you have a BCIC private motor policy ensure that 1-888-2-ASSIST (277478) or 876-314-0338 is saved in your contacts.

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Make a claim online

Before you get started, make sure you have the following details:

  • Policy information
  • Date of incident
  • Location of incident

Claims Process

Steps to making a motor claim

 
Collect Information at the scene of the accident

  • Registration number(s) of the other vehicle(s).
  • Name(s) and contact number(s) of the other driver(s).
  • Date, time and location of accident.
  • Name(s) and contact number(s) of witness(es), if any.
  • Damages caused to the other vehicle(s).
  • Damages caused to your own vehicle.
  • Injuries, if any, caused to person(s) involved in the accident.
  • If possible, take photographs of the positions of the vehicles after the accident, the accident site and the damages caused to the vehicles involved in the accident.

Call the Police, an ambulance and our roadside assistance team

  • Call an ambulance if someone is injured.
  • Report the incident to the Police.
  • Call our roadside assistance team for help.

Report the accident

  • Report the accident to us, your broker or agent as soon as possible by completing the accident report form. You can report online, by telephone, email or visit our nearest office.
  • Submit a copy of the driver’s licence of the driver (both back & front).
  • Tell us if are reporting for record purposes, claiming from your own policy or against third party’s policy.
  • If you are claiming from your own policy, send us an estimate.
  • On receipt of your estimate, we will send one of our approved motor assessors to view your vehicle.

Work with us

  • If we appoint an adjuster, assessor or investigator, please work with them to assist in their assessments or investigations.
  • Forward any information, witness statements, footage, photographs or evidence to us that can help the progress or resolution of your claim.

Motor Claims Process (Theft, Fire, Flood or Lightning)

 
Prepare Information

  • Date, time and location of incident.
  • Copy of driver’s licence for the driver (both back & front).
  • Name(s) and contact number(s) of witness(es), if any.
  • Damage caused to your own vehicle.
  • If possible, take photographs of your vehicle.

Call the Police

  • Call an ambulance if someone is injured.
  • Report the incident to the Police.

Report the incident

  • Report the incident to us, your broker or agent as soon as possible by completing the incident report form. You can report online, by telephone, email or visit our nearest office.
  • Send us a copy of the driver’s licence of the driver (both back & front).
  • Tell us if are reporting for record purposes, claiming from your own policy or against third party’s policy.
  • If you are claiming from your own policy, send us an estimate.
  • On receipt of your estimate, we will send one of our approved motor assessors to view your vehicle.
  • We will ask for the following items if the vehicle is not recovered due to theft or if totally destroyed due to fire, flood or lightning:
    • Unexpired Certificate of Insurance or Cover Note
    • Original vehicle documents
    • Vehicle Title
    • The keys for the vehicle

Work with us

  • If we appoint an adjuster, assessor or investigator, please work with them to assist in their assessments or investigations.
  • Forward any information, witness statements, footage, photographs or evidence to us that can help the progress or resolution of your claim.

Motor Claims Process (Glass Only)

 
Collect Information at the scene of the accident

  • Date, time and location of accident.
  • Damage caused to your own vehicle.
  • If possible, take photographs of the damage and send them to us.

Report the damage

  • Report the damage to us, your broker or agent as soon as possible by completing the glass claim You can report online, by telephone, email or visit our nearest office.
  • Submit a copy of the driver’s licence of the driver (both back & front).
  • Tell us if are reporting for record purposes or claiming from your own policy.
  • If you are claiming from your own policy, you may either have your glass repaired by one of our Glass Repair Partners or by your own repairer.
  • If you repair with our Partners, we will handle all costs and administration for you.
  • If you choose your own repairer, we will reimburse you the amount you spend subjectto the policy limit.
  • The damage must be to the glass ONLY. If there is other damage to the vehicle, the claim will be dealt with as an accidental damage.
  • Your policy allows you to make only one windscreen claim in any one period of insurance.
  • If the only claim you make is for broken glass to your windscreen or windows, your No Fault Discount will not be affected.
  • There is no limit on the costs of repair or replacement of your glass.

Work with us

  • Forward any information, photographs or evidence to us that can help the progress or resolution of your claim.
  • Please corporate with your repairer so that the damage can be fixed in the quickest possible time.

Home and Contents Claims Process

 
Collect Information

  • The items damaged.
  • Date, time and location of incident.
  • If possible, take photographs of damaged items.
  • Estimated amounts for damaged items.

Report the accident

  • Report the accident to us, your broker or agent as soon as possible by completing the claim You can report online, by telephone, email or visit our nearest office.
  • In case your home was broken into, report it to the Police immediately. Do not touch  or remove damaged items until after the arrival of the Police.
  • If you are claiming from your own policy, send us an estimate.
  • Tell us if are reporting for record purposes or claiming from your own policy,
  • On receipt of your estimate, we will send one of our claims inspector or approved property loss adjusters to view the damage. His/her job is to advise you what to do immediately and to tell you what additional information will be required. When all the necessary information is available, the claims inspector or loss adjustor will agree with you the amount payable under the policy.

Work with us

  • If we appoint a claims inspector or loss adjuster, please work with them to assist in their assessments or investigations.
  • Forward any information, footage, photographs or evidence to us that can help the progress or resolution of your claim.

Tips and FAQ's

When should accidents be reported to the police?

All incidents must be reported to the Police within 24 hours of their occurrence.

Should I report to my insurance agent?

All incidents must be reported to BCIC, your Broker or Agent as soon as possible whether or not you intend to make a claim and whether or not you are at fault.

Should I admit liability or make any offer of or payment to any person?

You must not admit liability or make any offer of or payment to any person.

What documents should I submit to BCIC?

All correspondence received (e.g. a letter from an insurance company or an attorney, a Claim Form & Particulars of Claim) in connection with a motor vehicle accident must be submitted IMMEDIATELY to BCIC.

phone

Call us:
(876) 922-1260

email

Email us:
easy@bciconline.com

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