If an event occurs and you think you may be making a claim on your policy, you should use this
checklist to help you get what you need to support your claim.
When you submit your claim, you will be required to tell us what happened and provide us with all the
documents we ask for.
It is important that you obtain as much documentation as possible at the time of the event, as it can
be difficult to obtain some documents after the event has occurred.
If something is lost, stolen or damaged
- Report it to the local police within 24 hours and get a written report.
- Report to the relevant regulatory authorities as soon as possible.
- Gather your original receipts, valuations, or other proof of ownership of any items related to the claim.
Do not admit fault or liability
DO NOT, unless we have approved:
- admit that you are at fault; or
- offer or promise to pay any money; or
- become involved in litigation.
Submitting your claim
The best way to submit your claim is online.
It is important that you give us the information we require; if not, we may have to reduce the amount
of your claim or we may not be able to process your claim at all.
Our online claims system is available at: www.getmicover.com/claims.
Claims processing
We want to process your claim as quickly as we can. To do this, you can help greatly by providing the
documentation we need when you submit your claim. Once we have a completed claims form, and all
necessary supporting information, your claim will be processed within ten (10) business. We will let
you know if we need additional information.
What we don't allow
Please be aware that if you make a fraudulent or exaggerated claim or make a false statement in
support of a claim or submit a false or forged document in support of a claim, then we may refuse to
pay the claim, whether or not the claim itself is genuine.
