Claims ContactsClaims Contacts
Audrey Govan P: 044 939 6398 E: audrey.govan@lirinsurance.ie Donna Kiernan P: 044 939 6431 E: donna.kiernan@lirinsurance.ie |
What to do in the event of a claim
Important Notice - Policy Contract Condition
Important Notice - Data Protection Obligations
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What to do in the event of a claim
For all accidents / incidents which could give rise to a claim under the policy, you, the Insured shall contact the Lir Insurance Claims Service using the contact details provided. Where you will be guided through the claims process.
In addition to reporting accidents / incidents, you must also report any work related conditions, diseases, illness or stress related conditions.
You must agree to provide all and every assistance to Lir Insurance and your specific Insurer to facilitate early decisions in relation to Policy Indemnity and Liability.
To facilitate the most effective management of your claim, you will be asked to provide the following in relation to each registered incident:
Property
At the notification stage of the claim:
In addition to reporting accidents / incidents, you must also report any work related conditions, diseases, illness or stress related conditions.
You must agree to provide all and every assistance to Lir Insurance and your specific Insurer to facilitate early decisions in relation to Policy Indemnity and Liability.
To facilitate the most effective management of your claim, you will be asked to provide the following in relation to each registered incident:
Property
- Claim Form
- Policy Number
- Photographs of:
- The source/cause of the damage
- Resultant damage
- Point of entry/exit in the case of theft
- Garda Report form (in the case of theft, impact or malicious damage – immediate notification is required)
- Report from a contractor outlining the source and cause of the damage
- Estimates for the repair/reinstatement
- An Accident Report Form.
- Policy Number.
- A written statement from any employee who witnessed the incident.
- Retain CCTV if available.
- Update Lir Insurance on any new information on existing claims.
- The date the employee recommenced work.
- All correspondence of relevance to the claims.
- Immediate Notification of any correspondence from The Injuries Board or Solicitors.
- Provide a contact who will assist in future investigations of the claim.
- Type of Injury and Circumstances which led to that Injury.
- Policy Number.
- Date of Injury.
- Name of Attending Doctor.
- Provide a contact who will assist in future investigations of the claim.
At the notification stage of the claim:
- the claims handler will provide you with a claim reference number.
- outline all necessary documentation required to process the claim.
- advise you of the action that they will take and when, in the management of the claim.
Important Notice - Policy Contract Condition
We cannot over emphasise the importance of this condition. It is imperative that all incidents are reported to your Insurer regardless of whether a claim has been lodged against you or not. By doing so, you will ensure that not only your Insurers position, but also your own, will not be prejudiced.
Having notified the incident, we would ask you to return any documentation, claim forms, third party correspondence, etc., to your Insurer immediately. All policies contain a claims notification condition most of which set a fixed time limit within which claims must be notified. Under this condition, your Insurer could repudiate liability should the claim not be notified in line with the time allowance granted.
Under no circumstances should liability be admitted and any correspondence issued by Third Parties or persons acting on their behalf should be forwarded to your Insurer immediately.
Having notified the incident, we would ask you to return any documentation, claim forms, third party correspondence, etc., to your Insurer immediately. All policies contain a claims notification condition most of which set a fixed time limit within which claims must be notified. Under this condition, your Insurer could repudiate liability should the claim not be notified in line with the time allowance granted.
Under no circumstances should liability be admitted and any correspondence issued by Third Parties or persons acting on their behalf should be forwarded to your Insurer immediately.
Important Notice - Data Protection Obligations
When forwarding personal data in relation to incident notifications to your Insurer, you must satisfy yourself that you are not in breach of your own Data Protection Obligations. Therefore, the Data Protection Commissioner has approved a Code of Practice on Data Protection for the Insurance Sector.
The pre-claim provision in Section 1 of the Code is as follows: “Insurance Policies should not other than in compliance with a specific legal obligation such as that contained in the Road Traffic Acts, and /or as a Condition of the Policy, require the provision of personal data of potential claimants at a pre-claim stage of any incidents, e.g. work place accidents that might lead to a claim.
Where notification is required of incidents that fall within the scope of the policy, this should take place by the provision of anonymised data only, except where there is clear evidence that a claim is likely to be made by the subject(s) of the report”.
Your Policies obviously do contain requirements that you do report incidents/accidents to your Insurer.
We are bringing the above to your attention so that you can be sure in relation to your own data protection obligations that you are compliant.
Our position as Insurance Agents is that the documentation that we receive in from our Clients must be forwarded to Insurers without amendment. Therefore, if you choose to provide information in relation to the injured party same must pass that onto the Insurers unamended.
The pre-claim provision in Section 1 of the Code is as follows: “Insurance Policies should not other than in compliance with a specific legal obligation such as that contained in the Road Traffic Acts, and /or as a Condition of the Policy, require the provision of personal data of potential claimants at a pre-claim stage of any incidents, e.g. work place accidents that might lead to a claim.
Where notification is required of incidents that fall within the scope of the policy, this should take place by the provision of anonymised data only, except where there is clear evidence that a claim is likely to be made by the subject(s) of the report”.
Your Policies obviously do contain requirements that you do report incidents/accidents to your Insurer.
We are bringing the above to your attention so that you can be sure in relation to your own data protection obligations that you are compliant.
Our position as Insurance Agents is that the documentation that we receive in from our Clients must be forwarded to Insurers without amendment. Therefore, if you choose to provide information in relation to the injured party same must pass that onto the Insurers unamended.
