Protected Cell Company

A Protected Cell Company (PCC) is an insurance vehicle whereby multiple 'cells' are connected to a core, creating a single legal entity. Any protected cell created has its own distinct name or designation however, it does not constitute a legal person which is separate from the Protected Cell Company.

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Insurance Managers

At Jatco Insurance Managers Limited we strive to offer innovative, flexible solutions that deliver the full benefits of today’s alternative risk mechanisms backed by a solid foundation of knowledge, experience, and industry leadership. Our aim at Jatco Managers is to develop cost-effective alternative risk solutions that enable clients to maintain affordable and flexible insurance coverage, improve cash flow, and control expenses.

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Personal Insurance

Customer Tools

Insurance Claims

We are here to make sure that the claims process runs smoothly. Being well informed and organised means that the insurance company will have all the information it needs, making the process quick and straightforward.
First thing you should do is contact us as soon as an event happens. We listed these two most important things you need to do here under so that you don’t overlook any steps in the process

Safety First

Before you start the process, we need to make sure you’re safe. If you feel that your property is not safe, do not enter, contact the emergency services and follow their advice. Should you be victim of theft, vandalism or a serious accident, contact the police. Follow the directions given by the authorities and give them as much information as possible. If the incident is serious, a police report will be filed.

File your claim immediately

Once you gather all the information, you should file your claim immediately. The moment you are given a claim number, your insurer is made aware of your situation and can start assessing you. Delays in reporting of claims might result in the insurer not paying for any additional loss or damage caused by the delay. Some policies have a time limit. Make sure you are aware of the details in your policy. Talk to us before you spend money on temporary repairs after an incident as they require prior approval.

Paying Claims

As your appointed insurance brokers, we will do our utmost to get settlement of your claim as promptly as possible. When you make a claim, you will need to provide proof of your financial loss under the policy. This may include proof of ownership, police or medical reports, receipts and invoices.  If the insurance company needs more detailed information before deciding, we will let you know what information is needed. The insurance company might decide to appoint an assessor, loss adjuster, surveyor or an investigator to get more information. If an insurance claim is denied, the company must provide an explanation for that denial.

Claims handling standards

Each insurance company has its own processes for handling claims. We have listed an overview of the requirements under the different classes of business. The lists are not exhaustive, and insurers may request additional information apart from the usual documents required.

Claims Explained

When things go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim and contact us immediately to notify us.

The policy you buy is a promise of assistance when things go wrong, provided you fall within the policy’s terms and conditions. Once you lodge a claim, you activate the insurer’s response. If your claim is accepted, the insurer will fulfil the promise it made in the policy.

Lodging a claim means you are formally notifying us, as your insurance brokers, that you have suffered a loss or damage that you believe is covered by the policy, requesting action.

We will assist you in preparing your claim for the insurer and see if the event or circumstances are risks covered by that policy. You will need to provide proof it is a genuine claim and the insurer will need to be certain the claim satisfies the terms and conditions of your insurance policy. If your claim is accepted, the insurer will work out the value of the claim and provide the appropriate benefit specified in your insurance contract.

Paying Claims

As your appointed insurance brokers, we will do our utmost to get settlement of your claim as promptly as possible. When you make a claim, you will need to provide proof of your financial loss under the policy. This may include proof of ownership, police or medical reports, receipts and invoices.  If the insurance company needs more detailed information before deciding, we will let you know what information is needed. The insurance company might decide to appoint an assessor, loss adjuster, surveyor or an investigator to get more information. If an insurance claim is denied, the company must provide an explanation for that denial.

Claims handling standards

Each insurance company has its own processes for handling claims. We have listed an overview of the requirements under the different classes of business. The lists are not exhaustive, and insurers may request additional information apart from the usual documents required.

Motor Claims

The following documents are required in the event of a motor insurance claim:

  • A claim form will be provided by Jatco upon request. This is to be completed, signed and dated. The original copy is to be sent to Jatco;
  • A copy of the driver’s driving licence (front and back);
  • The Warden Report number or Police Report, and/or the completed Front to Rear Form which is to be filled in at accident site;
  • Once the driver at fault is established – the excess has to be paid immediately in order to be able to open a claim.

General (Personal & Business) Claims

General insurance claims vary in nature and different documentation is required depending on the claim in question. However, an indication of documents required is listed hereunder:

  • Claim form;
  • Quotations, invoices & fiscal receipts;
  • Photos of damaged items;
  • Police report (where applicable);
  • Technician’s or engineer’s report;
  • Injury forms & Doctors reports.