This section contains everything you need to know about how to make a claim.
About the Claims Administrator
Compass Underwriting Limited (Compass) has been appointed by to handle all claims under this policy.
You or your legal representative should inform Compass about anything which could lead to a claim under this policy within 60 days of a motor accident.
Here are their contact details:
Compass Underwriting Limited
50 Mark Lane,
Tel No: 0800 319 6048 between9am to 5pm Monday to Friday (excluding bank holidays)
Please note that all calls may be monitored or recorded for security purposes.
The claims procedure
You should follow this procedure and any other instructions or advice given by Compass. If the procedure, instructions and advice are not followed then it may mean that the claim will be delayed or even remain unpaid.
Step one – notifying a claim
You should read this policy first so that you are satisfied that you are covered for the claim that you want to make. You should also read any exclusions that may apply and make sure that you understand them. If you are not sure whether you can claim, you should contact Compass who will be happy to help you.
When you contact Compass about your claim, you should quote the policy number that is shown in your policy schedule.
Step two - after a claim is notified
You will be sent a claim form, which should be completed and returned to Compass as soon as possible. Compass will then handle the claim directly with you and will give you all the advice you need to help your claim run smoothly. Compass will assess the claim thoroughly to make sure the event is covered and will tell you what else may be needed.
Additional information about making a claim for dental treatments
You must pay for treatment before you make a claim and you should then send Compass all of your receipts for any treatment. You will be responsible for providing the necessary evidence. We will not accept receipts made out in joint names. The receipts should also fully describe the treatment received or the items paid for, the date of the treatment, the full cost and the date the account was paid.
We will not accept till slips, credit card sales vouchers, photocopied or altered receipts. We always recommend that you send us original receipts by recorded mail. Compass will only send the receipts back to you if you request us to do this.
Compass will pay benefits by cheque to your home address or by electronic transfer direct to your bank account.
Things to keep in mind when claiming
You may need to give Compass permission to see your medical records as set out in any relevant legislation and to contact your motor insurer to verify the claim.
You will need to give Compass any evidence requested to establish the circumstances surrounding the claim such as police reports, hospital reports and claim correspondence with your motor insurance company and help obtain witness statements or other such reports that we may require.
You will need to provide assistance and co-operate with Compass in obtaining any additional medical and any other records that they feel are necessary to evaluate the claim.
You must agree to be examined by any medical advisor that Compass appoints as often as Compass deem necessary throughout the claim. Compass will pay for any such examination.
If you are not satisfied with the manner in which your claim is being handled, you should refer to the "Service and Complaints" section in your policy.