Why should I buy insurance?
Your personal possessions represent your family's security and in the event they were destroyed it would be necessary to come up with the money to replace them. Insurance not only provides you with this protection against financial loss but also the peace of mind you require.
How much will my insurance cost?
The cost of insurance varies from company to company and is determined by your claims history and the underwriting variables unique to your "risk". Ask World Insurance to obtain quotations on your behalf, but remember the best is not always the cheapest.
Why should I purchase my insurance through a broker?
There is a significant difference between purchasing your insurance through an independent insurance broker versus directly from a captive agent or salesperson of a bank or insurance company. Rather than being "sold" the one product line offered by the direct channel, an independent broker represents many quality insurers. By marketing your insurance requirements among many companies and by comparing products and prices, an independent broker can tailor an insurance program that delivers the best value for you. You get professional expertise, personal attention and the benefit of choice.
How do I make a claim?
After contacting the police in the event of an accident, or to report a theft or burglary, your first step is to contact your broker. World Insurance council you on your coverage particulars and contact the company on your behalf.
It will be necessary for you to be prepared to provide the following information:
Automobile Claims
- Your policy number
- Details regarding the accident:
- Date, time, location
- Were there any injuries
- Were there any passengers
- Vehicle information:
- Registration number, make, model, year, licence plate number
- Registration number, make, model, year, licence plate number
- Nature of damage
- Driver's name and licence number
- Were there any police charges
- Details of other drivers and vehicles involved
Property Claims (Home / Business)
- Your policy number.
- Date and time of loss.
- Police / fire report details.
- Nature of damage.
Once your claim is reported, you'll be contacted promptly by an adjuster to verify the facts relating to the claim and to determine the amount of settlement. This adjuster will be your contact person until your claim file is closed and will guide you through your options in replacing or repairing your property. Depending on the severity of the loss, the claim will be handled by telephone or in person, either by a staff adjuster or by an independent adjuster appointed on our behalf.
Working With Your Adjuster
After reporting your claim you may have to make temporary repairs to your property to protect it from further damage. You will need to save receipts for what you spend and submit them to your adjuster.
You will be asked to complete a "Proof of Loss" form and support it with medical invoices, repair bills and a copy of a "Police Report".
Maintain records of your expenses and copies of your paperwork. Also retain copies of correspondence we provide to you.
Once the insurance company agrees on the terms of the settlement, payment will be sent promptly.