Procedure

Standard Claims Procedure

Please note that this is our standard claims procedure, and depending on the nature of the loss, additional or different information may be requested.

Claims Notification

In the event of any circumstance that may give grounds for a claim under the policy, underwriters must be advised within 7 working days (unless period differs as per underwriters terms). The enclosed notification form must be completed and forwarded to CLUL.

Appointment of Loss Adjusters

This is at the discretion of an Underwriter at CLUL only.

In the Event that an adjuster is appointed, the cost of this will be borne by CLUL - settlement of adjuster’s fees will only be upon receipt of the adjuster’s invoice.

Adjusters reports are confidential documents and remain the property of CLUL whom have the right to refuse the submission of these documents to any other party involved.

Claims Information

• The information required by CLUL will be communicated to our Claims Manager and typically this will include:
• Vet certificate /declaration of health
• Claims form -completed by the insured
• Confirmation of compliance of all subjectivity’s, warranties and placing terms.
• Any other information as per underwriters discretion

Claims Payment

• Claims payments can only be paid if the premium for a policy has been paid
• When the claim has been agreed the insured or reinsured must complete and sign a release form prior to funds being released. A draft release is attached for information.
• Payment will be made by Cheque or TT (Credit transfer) directly to the insured or reinsured, the placing broker or any other party specified in the policy that may have a financial interest in the animals insured.

Loss adjuster fees can be made via TT directly or incorporated in the monthly claims payments.

For those products that are not 100% underwritten at Lloyds, it must be clear that should any other subscribing insurer(s) become insolvent those underwriters at Lloyds on risk are each severally liable only for the portion of the risk to which they subscribed and would not be liable for the portion of any other insurer.