Claims
Our experienced team of professionals gives focus to our Claims Service and actively handles all aspects of the claims process in a prompt, informative manner. We regularly communicate with members and aim to achieve claim settlements, particularly those affecting loss or damage to member assets, as quickly as possible.
All members receive:
- Claims guidelines
- Emergency out-of-hours contact details
- Electronic access to their Claims Experience
Specific arrangements for the handling of claims, include:
Property & Business Interruption
Handled by our Claims Service team. Specialist loss adjusters can be instructed if necessary. Response time to new claims is 24 hours followed by regular updates.
Claim payments, including interim payments, are usually authorised within 48 hours.
Employers Liability and Public Liability (Injury)
All claims acknowledged within 24 hours. Any subsequent investigation and direct handling with solicitors and claimants is undertaken by our excess Insurers. Throughout the process we forward any information to members. For cases in litigation we can instruct specialist defence solicitors.
Professional Indemnity Claims
All claims acknowledged within 24 hours. We will either instruct specialist defence solicitors to liaise with the member or work with them for direct response to the claim. We’ll also provide an initial liability assessment and regular updates.
Travel & Group Personal Accident
Handled internally, plus specialist international emergency assistance where requested.
Recovery
We actively progress potential recovery or contribution from third-parties on applicable claims, including those within member deductibles if requested.
UMSR Claims Service
Handled directly by UMSL claims team, plus instruction of specialist loss adjusters.
Non Mutual Claims
With claims from UMSL cover categories – Motor, Legal Expenses, etc – members’ interests are best served by dealing directly with Insurers. We will provide full contact details and maintain consultation between the insurer and member.
