HOW TO MAKE A CLAIM
如何提出索赔

If your home is damaged or your belongings are damaged or stolen, the first thing to do is to check that the type of damage you are claiming for is covered. Your policy will also tell you whether your claim will be settled without deduction for age or wear and tear or whether you should deduct an amount for these when you work out how much to claim. Next, tell your insurer by telephone or letter that you wish to claim and request a claim form be sent to you.

如果您的房屋受损或您的财物受损或被盗，首先要做的是检查您索赔的损坏类型是否在承保范围内。您的保单还将告诉您您的索赔是否会在不扣除年龄或磨损的情况下得到解决，
或者您在计算索赔金额时是否应该扣除这些费用。接下来，通过电话或信件告诉您的保险公司您希望索赔，并要求将索赔表发送给您。

If you are involved in a motor accident, make notes of the accident including the names and addresses of all drivers and passengers involved in the accident. Also note the licence number, make and model of each car involved and record the driver’s licence number and insurance identification. Record the names and addresses of as many witnesses as possible.

When making your police report, provide the police with whatever information they require and obtain a copy of the report. Contact and inform your insurance agent or insurance company regarding the accident and seek advice on what forms or documents are required to support the claim.

Normally, the claim form is to be submitted with (a) the police report lodged by the driver, (b) photocopy of the Identity Card, (c) Driver’s Licence (d) Vehicle Registration Card and (e) Road Tax.
如果您遭遇车祸，请记下事故，包括事故中所有司机和乘客的姓名和地址。还要记下所涉及的每辆汽车的牌照号码、品牌和型号，并记录驾驶执照号码和保险号码。记录尽可能多的证人的姓名和地址。 向警方报告时，请向警方提供他们所需的任何信息并获取报告副本。联系并通知您的保险代理人或保险公司有关事故的信息，并就支持索赔所需的表格或文件寻求建议。 通常，索赔表应与以下文件一起提交：(a) 司机提交的警方报告、(b) 身份证复印件、(c) 驾驶执照、(d) 车辆登记卡和 (e) 路税。

CHECKLIST OF ITEMS TO REMEMBER:
需要记住的事项清单：

• Read your policy, and pay particular attention to advice on claims and conditions that apply.
• It is up to you to understand the extent of your coverage. Your insurance company will be able to assist you on this matter.
• Get in touch with your insurance company promptly and take their advice on what you should do.
• Your insurance company will deal as quickly as possible with your claim but this will also depend on getting estimates and other information they need to assess the claim, which can take time.

• 阅读您的保单，并特别注意有关索赔和适用条件的建议。
• 您需要了解自己的承保范围。您的保险公司将能够在此事上为您提供帮助。
• 立即与您的保险公司联系，并听取他们关于您应该做什么的建议。
• 您的保险公司将尽快处理您的索赔，但这也取决于获得评估索赔所需的估计和其他信息，这可能需要时间。