Make a claim
Contact us as soon as possible after an incident. We will guide you through each step and deal with the insurer on your behalf.
How a claim works
Whatever the policy, the process follows the same four steps.
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Tell us what happened
Call or email us with your policy details as soon as possible. For motor accidents and theft, also report to the nearest police station.
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Send the documents
We confirm exactly what the insurer needs, such as the claim form, photographs, receipts or a police abstract.
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We deal with the insurer
We lodge the claim, arrange an assessment where needed and follow up until a decision is made.
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Settlement
We review the settlement offer with you before it is accepted, and raise any disagreement with the insurer.
After a motor accident
- Make sure everyone is safe and call for medical help if needed
- Take photographs of the vehicles, the scene and any damage
- Note the other driver's name, phone number, registration and insurer
- Report the accident at the nearest police station and obtain a police abstract
- Do not admit liability or agree to pay anything at the scene
- Call us before arranging repairs
If you receive a legal claim
If an employee or a member of the public makes a claim against your business, forward all demand letters and court summons to us unanswered. The insurer's appointed lawyers will defend the claim on your behalf.
Documents insurers usually need
We will confirm the exact list for your claim. Having these ready speeds up the process.
| Type of claim | Documents |
|---|---|
| Motor accident | Claim form, police abstract, driver's licence, logbook, photographs, repair estimate |
| Theft or burglary | Claim form, police abstract, proof of ownership and value, evidence of forced entry |
| Fire or property damage | Claim form, fire brigade or police report where relevant, photographs, repair or replacement quotations |
| Medical or personal accident | Claim form, medical reports, invoices and receipts, and a death certificate where applicable |
| Work injury (WIBA) | Accident report form, medical reports, payroll details, and the labour officer's assessment |
Draft The original site had no claims page. Ksembi to confirm this guidance.
Speak to a Ksembi broker
Tell us what you need to insure and we will compare cover from the insurers on our panel. There is no obligation.