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Handling Third Parties

This approach is recommended for the Vehicle (including Machinery) and Liability claims which involve a third party. Remember your Insurers have undertaken to accept the risks you have insured against – and it is their responsibility to accept or reject liability.

 

Incidents with Third Parties

If you have an incident with a third party, your response should be:

  • All care, however admit no responsibility
  • Making all staff (where applicable) aware of how to react

 

Do’s and Don’ts

Below are lists of what you should and shouldn’t do in the event of an incident with a third party.

Do’s Don’ts
  • Show sympathy and sincere interest
  • Render any assistance, including medical assistance
  • Gather all information
  • Gather any witness statements and tenant observations
  • Take photographs of the damage
  • Fill in an incident report form
  • Settle small claims on the spot (example claims below your policy excess)
  • Admit liability
  • Mention insurance
  • Volunteer information
  • Fill out form in their presence
  • Put any negative statements on the form

After Advice or A Quote

Optimum Insurance Services are qualified insurance advisers. We welcome all enquiries in relation to our insurance products and services. To obtain advice or a competitive quotation enquire online. If you would like to discuss your specific needs further, please call 1300 739 861 and speak with our friendly and helpful advisers.

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