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Cornerstone guide · Claims help

How to Claim on Insurance in South Africa: A Step-by-Step Guide

A practical claims guide covering safety, evidence, notification, assessments, disputes and keeping future records in order.

In brief: A claim begins with safety and facts, not with an assumption that a policy will pay. The incident, policy, notification process, evidence, limits and assessment determine the next steps.

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Protect people and stop further loss safely

Contact emergency services where necessary and take reasonable steps to protect property from worsening damage. Avoid putting people at risk or disposing of evidence while trying to manage the immediate situation.

Record facts while they are fresh

Photographs, dates, contact details, registration numbers, invoices, serial numbers, witness information and a simple timeline can become important. Record facts rather than making admissions or deciding fault at the scene.

Report and notify promptly

Reporting requirements vary by incident and policy. South African government road-accident guidance identifies police reporting, safety and a case number as practical steps where person or property damage occurs; follow your insurer’s prescribed channel too.

Understand what an insurer assesses

The cause of loss, insured event, disclosures, limits, excesses, exclusions, mitigation, evidence and policy conditions can all be relevant. A request for information is not necessarily a decision, and a policy label alone is not a claim outcome.

Keep a document trail

Save claim references, correspondence, invoices, quotations, repair reports, police documents, inventories and notes of calls. Ask in writing if you do not understand a request or the policy term being relied on.

Do not assume repair or replacement authority

Emergency mitigation can be necessary, but non-emergency repairs, disposal or replacements may require instruction or assessment. Read the policy and ask before committing significant costs.

Use the complaint route if needed

Ask the insurer or relevant intermediary for written reasons and use the internal complaints process. The National Financial Ombud Scheme explains that the former short-term insurance ombud function sits within its free dispute-resolution service, subject to its process and jurisdiction.

Make the next claim easier

Maintain current values, photographs, asset records, security details, maintenance documentation and policy schedules. Review renewals and material changes before an incident rather than reconstructing the evidence after one.

A sensible next step

If you are reviewing a quote or existing cover, prepare the schedule and questions for an authorised adviser. Do not submit sensitive information through this first-contact website form.

Request an insurance review

Answer library

Common follow-up questions

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How long do I have to submit a claim?

The wording and event determine deadlines. Notify promptly and verify the actual policy requirement.

Can a claim be declined without reasons?

Ask for the decision and relevant policy reasons in writing, then follow the internal complaint route and appropriate escalation process.

What proves ownership?

Receipts, valuations, photographs, serial numbers, bank or delivery records can help, but requirements vary by event and policy.

Should I claim if damage is below my excess?

The excess may mean no payment is due, but reporting duties can still apply. Check the schedule and policy process.

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