Oman United Insurance

Non Motor Claims

Claims Procedure

Upon the occurrence of any event giving rise to or likely to give rise to, under the certificates, the insured shall:

Give immediate notice in writing via email or via telephone or by letter to OUIC stating the circumstances of the loss. No claim shall be deemed valid unless notice of loss is duly received by OUIC.
Inform the police immediately and take all steps within your power to minimize the extent of loss or damage or protect the affected property from further deterioration.
OUIC shall, at its discretion, determine whether a Loss Adjuster/ Surveyor are required to assess the loss or otherwise upon receipt of the loss notification.
Preserve all parts affected and make them available for inspection by a representative or surveyor/adjuster appointed by OUIC.
Furnish to OUIC all such particulars and documentary evidence to substantiate the claim. The Insured shall bear the expenses of all such particular of documentations to substantiate the claim.
The Insured shall advise whether the interest and/or property were insured with other insurers and give details of such insurers.
The Insured are not allowed to negotiate or agree to on payments or on repairs or to commit in any manner to any Third Party without the prior consent of OUIC.

Q: What Should I do after a loss?

After a loss you need to contact your Agent/Broker/Insurance co. If a theft has occurred you need to notify the police as well. Protect your property from further damages by making temporary and emergency repairs, keep receipts and an accurate record of repair expenses. Make a list of damaged or lost articles.

Q: what is Proof of Loss?

A proof of loss is a sworn statement signed by you making a formal claim for damage to, or loss of, property that is insured. It describes the details of the loss, property values, and interests in the property.

Q: Will a claim affect your rate?

Claims are not the sole basis for your rate, there is no guarantee what your premium will be at renewal. At the time of renewal other factors such as policy changes, violations and rate changes will also be taken into account. Rates cannot change in the middle of a policy term as the result of a claim.

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.
We help our clients to quantify the value of losses by drawing upon our specialized insurance capabilities, as well as our experience in personal injury, property, business interruption, professional liability, file reviews, reserving and claims administration.
We provide analytical support and assistance through each step of claims process and work with our clients to:
Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Fire

Claims Procedure

Claim form, dully filled in & signed by the Insured.
Inventory of loss.
Repairs bills.
Laboratory test Reports, if required.
Photographs, if taken by the Insured.
Departmental notice about the incident.
Fire brigade Report.
Police & Civil Defence Reports.

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We help our clients to quantify the value of losses by drawing upon our specialized insurance capabilities, as well as our experience in personal injury, property, business interruption, professional liability, file reviews, reserving and claims administration.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Engineering Claims

Claims Procedure

The documents listed below are applicable generally across all the policies under this branch. Extra documents specific to the type of policy are mentioned separately in respective sections:

Copy of the policy & Endorsement (if any).
Survey report.
Claim form duly filled in and signed.
Estimate of loss
Departmental note regarding the cause and nature of loss along with supporting log books if any.
F.I.R if necessary. (In case of malicious act; involvement of TPPI, TPPD).
Brigade, Civil Defence and Police Report (in case of loss due to fire).

A) Machinery Insurance

As mentioned in the list of suggested documents.

B) MB loss of Profit Policy:

Claim form duly filled in and signed by the Insured.
Books of Accounts.
Business Trends, Production & sales record.
Details about the savings in standing charges.
Details of increased cost of working.

C) Boiler & Pressure Plant Explosion:

A part from the documents suggested in the general list following documents will be called:

Latest Boiler inspector’s report.
Boiler inspection report on the incident.

D) Electronic Equipment Policy:

As mentioned in the list of Suggested Documents. In addition to this copy of A.M.C, if any, on case to case basis.

E) Erection All Risk Policy:

As mentioned in the list of Suggested Documents. Further additional documents may be called for depending on the nature of the claim.

F) Contractors All risk Insurance:

As mentioned in the list of Suggested Documents. Further additional documents may be called for depending on the nature of the claim.

G) Contractors Plant & Machinery Policy:

As mentioned in the list of Suggested Documents. Further additional documents may be called for depending on the nature of the claim.

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Liability Loss

Depending on individual circumstances, following documents/ Information may be called/ verified.
Detailed version about the incident/ alleged misfeasance.
Details of loss caused/ injury/ death/ including all available information on victims as well as estimated quantum of liability.
Steps taken by the Insured to mitigate the loss.
Statements from witnesses, photographs, visual records of evidence/ circumstance, video, etc.
Any other evidence in support of claim.
Press reports.
FIR/ investigation report of Police.
Survey/ Investigation Report; Survey Report on the damaged property.
All notices/ summons of court.
Post Mortem Report/Medical Certificate, wherever applicable.
Weather (Meteorological) Report, wherever applicable.
Pollution Control Board Report, wherever applicable.
Consumer Action Group/ Society? Group presentation/ Report, wherever applicable.

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Workmen's Compenstion

Claim form duly completed and signed.
ID or labour card copy.
Medical bills.
Doctor prescription.
Medical Reports.
Discharge summary.
Sick leave certificate(s).
Disability certificate in case of Permanent Total Disability.
Death certificate in case of death.
Passport copy.
Police report if required.

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Personal Accident

Claim form duly completed and signed
ID or Labour card copy.
Medical bills
Doctor prescription.
Medical Reports.
Discharge summary.
Sick leave certificate(s).
Disability certificate in case of Permanent Total Disability.
Death certificate in case of death.
Passport copy.
Police report if required.

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Travel

Details & Documents for Travel Insurance Claim

Policy number
Name of insured person
Your current contact number
Permanent contact number & email id (mandate)
Diagnosis in case of medical cases
Place and country of loss
Provider name
Contact details and the name of the caller (in case the person intimating the claim is not the insured)
Date & time of accident
Brief description of loss

List of documents you should keep ready while making a claim

Details & Documents for Travel Insurance Claim

Claim Form
Doctor's report
Original admission/discharge card
Original bills/receipts/prescription
Original X-ray reports/ Pathological/ Investigative reports
Copy of passport/Visa with entry & exit stamp

Loss of Baggage

Claim Form
Copies of Baggage Tags
Copies of correspondence with the airline authorities/Others about loss of checked baggage
Property Irregularity Report (obtained from Airline)
Details of compensation received from Airlines/Other authorities, if any

Delay of Baggage

Claim Form
Copies of Baggage Tags
Copies of correspondence with the airline authorities/Others about loss of checked baggage
Property Irregularity Report (obtained from Airline)
Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

Trip Delay/ Cancellation/ interruption/ missed connection

Confirmation from the airlines, clearly mentioning the scheduled arrival time and the actual arrival time
Copies of correspondence with the airline authorities certifying the delay
Medical reports and doctors statement,if trip is cancelled or interrupted due to medical reasons
Termination letter from the company,if trip is cancelled or interrupted due to employment reason
Original tickets of the insured and the traveling companion indicating travel to the same destination for the same dates,in case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion
All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers

Loss of Passport

Copy of new passport
Copy of previous passport (if available)
Original bills/invoices of expenses incurred for obtaining a new passport
Copy of FIR/ Police Report

Personal Liability

Full statement of the facts in writing
Witness statements
Any other documents relevant to the incident, including Summons, legal notice etc.
Any other information you would like to share with us

*Please note above list is only indicative. We may call for additional documents/information or may arrange for our representative to verify the facts of the case if required

Q: What Should I do after a loss?

Q: what is Proof of Loss?

Q: Will a claim affect your rate?

Insurance Claims Services

We have extensive experience of providing assistance in managing claims and quantifying resulting losses.

We provide analytical support and assistance through each step of claims process and work with our clients to:

Help assemble and assess preliminary claim information.
Establish plans to mitigate damages and resume business as expeditiously as possible.
Indentify and track expenses incurred in minimizing business interruption, estimate losses in terms of policy coverage and assist in establishing lost profits by applying actual loss sustained measurement methodologies.
Assemble the information needed to facilitate payment by insurers, thereby mitigating the impact on the business.

Non Motor Claims

Fire

Insurance Claims Services

Engineering Claims

Insurance Claims Services

Liability Loss

Insurance Claims Services

Workmen's Compenstion

Insurance Claims Services

Personal Accident

Insurance Claims Services

Travel

Insurance Claims Services

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