Claim Procedures:

• You should notify us immediately upon knowledge of the loss, followed by completing the Property Loss Notice together with the supporting documents.
• If possible, take photos of the accident scene and damaged property.
• If temporary repairs are needed to stop further damage, you should arrange for them to be done immediately. Keep the bills because they may form part of your claim.
• In case of loss by robbery and fire, notice should also be given to the police right after the discovery of the loss.
• For other repairs or replacements, obtain estimates and send them to AXA. We must have an opportunity to inspect the damage and approve the estimates before work begins. Depending on the work involved and the cost, you may be told to proceed with the repair/replacement.
• In some circumstances, we may appoint one of our Claims officers or an Independent Loss Adjuster to investigate into the loss. The adjuster's job is to advise you what to do immediately and what further information will be required.
• If a third party is responsible for causing the accident, please reserve your right to hold the third party liable for the loss.