Motor Insurance Claims
Motor Insurance Claims
Personal information provided on your application form is protected and used in accordance with the provisions of the Data Protection Act.
The following procedure applies only to GasanMamo Insurance Ltd clients. If you are not insured with GasanMamo Insurance Ltd, you may contact us at [email protected] and make your enquiry or contact us on 2134 5130.
Reporting an Incident
In the event of an incident, which is covered by your Motor Insurance Policy issued by GasanMamo Insurance Ltd, you are required to inform us of it AS SOON AS POSSIBLE. You may do this by completing the Online Claim Form or through the Claim Easy app on your smartphone.
We would then confirm receipt by return e-mail providing you with a reference number and where necessary contact you by phone to complete the process. We will also mail you a printed version of the claim form which you would be required to sign and return to us by mail together with the payment of your excess and some other documents where required. There may be cases where it will be necessary for you to visit our claims department in person.
You may also call personally at our head office or at any of our branch offices – for details of our addresses and opening hours please visit the Contact Us page. You will be required to complete an Accident Report Form to register the claim.
Documents required
- A copy of your Identity Card
- A copy of the driver’s driving license
- When applicable, the completed front to rear form
We will contact you if we require any other documents or information. You may also send us scanned copies of these documents via email at [email protected] after you have submitted the online claim form as this will speed up the process.
Excess
Please remember that very often you will be required to pay the policy excess before we can start processing your claim. Since the amount of the excess can vary, as this depends on the circumstances of the case, we will notify you of the amount payable. The excess can be paid at our Head Office or one of our branch network or via internet banking. You can also make a request by email to [email protected] so that we can send you a link to pay the excess online using your credit or debit card through a secure portal. Please use the same email address you gave us when registering your claim.
Claim Processing
Upon receipt of the completed internet Accident Report form, we will start processing your claim on a without prejudice basis. However, if all the above-required documents are received, we will be in a position to proceed towards settling your claim.
Front to Rear Collision
When the collision is a front-to-rear one, we would also require receiving a copy of the completed front-to-rear form signed by the parties involved.
Warden Report
If the accident has been attended to by the local wardens, a copy of the accident report will be sent to us automatically. If you have submitted a claim form, you do not need to take any action. Upon receipt of the warden’s report, we will contact you in order to proceed with whatever action is necessary.
Police Report
We would remind you that you are also required by law and by the policy conditions to report to the Police the following incidents:
- Acts of vandalism or malicious damage
- Damage to public property
- Injuries incurred as a result of a motor accident
- Hit and run accidents
- Theft or attempted theft
- Damage caused by a fire to third-party property
In such cases, we would need a copy of the Police Report before we process your claim and we will obtain a copy of this ourselves.
Click Here To Fill Out a Claim Form
Choosing a repairer
GasanMamo strongly recommends that you entrust the repair of your vehicle to a repairer that has obtained the required certification from the MCCAA to carry out the repairs that your vehicle requires. Not all repairers can repair all types of damage, only repairers with a certain type of classification can repair, for instance, structural damage. Some repairers offer a ‘one-stop shop’ service, while others will need to sub-contract part of the repairs, for instance, the spray painting. Remember that if the repairer you choose is not properly trained and equipped to repair your vehicle in accordance with the procedures required by the manufacturer, the repairs could compromise the safety features of your vehicle, require additional work to rectify incorrect repairs, the cost of which you will incur, and may also reduce the resale value of your vehicle. A list of MCCAA-approved repairers can be found here MCCAA Approved Garages List
We can assist you in choosing the right repairer for the damage your vehicle has suffered, simply let us know before you book an appointment for a survey.
Inspecting your car
A motor vehicle assessor (surveyor) will inspect your car in order to estimate the cost and duration of repairs. This inspection is normally carried out at the repair’s workshop so that the assessor can discuss and agree the repairs with the repairer. You will need to take the car in the morning to the repairer and pick it up after it has been inspected. The assessor will visit a number of repairers on a typical day so it is not possible to determine the time when the car is inspected. There may be cases where the damage to your vehicle requires specialised equipment which the particular repairer may not have. In that case we will recommend that you choose another repairer who does have the required equipment. If the damage is not major, your car may be inspected in our inspection bay in Ħal Qormi in which case you will be given an appointment and the inspection will be carried out there and then.
Supply of parts
We will place the order for any replacement parts needed and our agents will take care of the delivery to the repairer. Please remember that we rely on parts importers and distributors for supplies, and we have no control over the delivery dates. There are also occasions where the manufacturer is unable to supply the needed parts as these would be on “back order”. Parts for some models of vehicles imported as used from Japan may also be difficult or even impossible to obtain. In such cases, we will pay for the cost of the part and the cost to install it in the form of a cash settlement.
Total Losses and Cash Settlements
If the cost of repairs exceeds the current market value of your vehicle you will receive a cash settlement for an amount equivalent to the market value. The vehicle then becomes our property and we will dispose of the wreck. If you wish to retain the wreck, the salvage value will be deducted from the total amount to be paid.