When you file an insurance claim, it’s usually because you need urgent access to your policy benefits; whether it’s reimbursement for a loss, or financial support during a stressful time. Unfortunately, delays and claim rejections can happen if certain steps are overlooked.
To help you, here are practical insurance claims tips that can speed up the process and improve your chances of approval.
Understand your policy’s terms and conditions
One of the most common reasons insurance claims are declined is that policyholders don’t fully understand what their policy covers.
Before submitting a claim, take a moment to ensure you're informed by reading your policy’s terms and conditions carefully, knowing what’s included, excluded and under which circumstances you're covered, and asking your insurer to explain anything that’s unclear. Remember, there are no questions that are too small when it comes to your cover.
At Hollard, we work hard to simplify our policies. But insurance is still a legal contract, and understanding it upfront can save you time, stress and frustration later.
Familiarise yourself with the claims process
Not all insurers handle claims the same way. If you’ve recently changed providers, it’s essential to understand how your new insurer manages claims.
At Hollard, we aim to keep things simple and transparent, but here’s what you should always do:
- Review your policy documents for step-by-step instructions.
- Prepare the required forms and follow the correct submission channels.
- Understand the process to avoid delays and unexpected outcomes.
A clear understanding of your insurer’s claims procedure means fewer surprises and a smoother experience, especially when it matters most.
Submit all required documentation
Missing documents are one of the biggest causes of delays in the claims process. Here’s what you can do to help your claim move quickly and smoothly.
- Gather all required supporting documents, such as ID, proof of ownership, invoices, accident reports and police case numbers (if applicable).
- Double-check everything before submitting.
- Keep copies of all documents you send to your insurer.
A complete claim submission means faster assessment, quicker approval and less stress for you.
Keep up with premium payments
Your policy only remains active if your premiums are paid on time. If payments lapse, your cover may be cancelled. and claims submitted during that period will likely be rejected.
If you’re under financial strain, don’t stop paying your premiums. Instead, speak to your insurer about reducing your cover temporarily or exploring more affordable policy options.
Maintaining active cover ensures that your claims remain valid.
Why choose Hollard for insurance claims?
At Hollard, we’re committed to making insurance simpler and ensuring that valid claims are paid fairly and efficiently. Our experienced consultants are here to guide you, so you never have to navigate the process alone.
Whether you need information on your policy or want to lodge a claim, we’re just a call or click away. Contact Hollard for expert support and insurance solutions that work for you.
FAQs about insurance claims
Why do insurance claims get delayed?
Delays usually happen when supporting documents are missing, policy exclusions apply, or premiums are not up to date.
What documents do I need to lodge a claim?
This depends on the type of claim, but generally includes proof of identity, policy number, invoices/receipts and in some cases, police or medical reports.
Can I reinstate my policy if I’ve missed payments?
Yes, but conditions may apply. It’s always better to contact your insurer before your policy lapses to explore alternatives.
Disclaimer
This article provides general information only and should not be considered financial advice. For tailored assistance, please consult a Hollard-accredited financial adviser or a licensed financial professional registered with the Financial Sector Conduct Authority (FSCA).
