Claim Procedure

1. Contact Rata Insure or your insurance intermediary Initiate your claim process by contacting Rata Insure to inform them of your need to make a claim.

2. Collect evidence and documentation Ensure you gather comprehensive details and be prepared to furnish them to Rata Insure. For instance, if claiming for property damage, gather information such as dates, descriptions of damaged/stolen items, photographic evidence, and any supporting documentation. Similarly, for financial risk claims, gather relevant information such as electronic records, correspondence, and legal communications.
   

3. Promptly inform your intermediary of potential claims If the claim pertains to professional matters, inform your intermediary as soon as you become aware of circumstances that may lead to a claim, regardless of whether any legal action has been initiated against you. Timely notification is crucial for ensuring coverage.
   

4. Register your claim with Rata Insure. Rata Insure will assist you throughout the claims process.
   

5. Settle your deductible Most insurance policies entail a deductible, which represents your uninsured portion of the loss. Ensure that your deductible is paid as required during the claims process. In certain cases where you are not deemed at fault, there may be opportunities to recover the deductible.
   

6. Rata Insure manages your claim with the insurer We will coordinate with your insurer, provide guidance on the next steps, arrange for assessors or loss adjusters if necessary, and advocate on your behalf throughout the claims process, ensuring adherence to the full benefits available under your policy.
   

7. Guidance from assessors/loss adjusters Appointed assessors/loss adjusters will offer guidance on the subsequent steps. They assess the loss, provide detailed information to the insurer regarding the circumstances and potential costs involved, aiding the insurer in making informed decisions on how to address the loss, whether through repair, reinstatement, or cash settlement.
   

8. Policy renewal considerations Policy renewal occurs annually, during which the insurer evaluates various factors including location, risk susceptibility, operational nature, security measures, and past claims history to determine the renewal premium. Claims history is a significant factor, and insurers assess the cause and nature of previous claims when deciding on renewal terms.
   

9. The importance of selecting the right intermediary Choosing a knowledgeable intermediary is crucial, particularly during the claims process. Aon, with its dedicated claims specialists possessing industry expertise and insurance acumen, can effectively advocate for your interests during claim resolution.