Claims - Miscellaneous

MISCELLANEOUS INSURANCES
1. GENERAL THIRD PARTY LIABILITY (GTPL)
1 Claims Procedures:
In the event of any occurrence which may give rise to a claim for indemnity under this
policy the Insured shall as soon as possible give notice thereof to the company in writing,
by filling the Claim intimation form. Every letter claim writ summons and process shall be
notified or forwarded to the company immediately on receipt.
2 Summary of Policy Claims Conditions:

The Insured shall not without the consent in writing of the company repudiate liability
negotiate or make any admission offer promise or payment in connection with any
occurrence or claim and the company shall be entitled if it so desires to take over and
conduct in the name of the Insured the defense of any claim or to prosecute in the name
of the Insured at its own expense and for its own benefit any claim for indemnity or
damages or otherwise against any persons and shall have full discretion in the conduct of
any proceedings and in the settlement of any claim and the Insured shall give all such
information and assistance as the company may require.
The company may in the case of any occurrence pay to the Insured the maximum sum
payable under this policy in respect of such occurrence or any lesser sum for which the
claim or claims arising from such occurrence can be settled and the company shall
thereafter not be under further liability in respect of such occurrence except for the
payment of costs and expenses of litigation incurred prior to the date of payment.
If at the time of any occurrence or claim there is or but for the existence of this policy
would be any other policy of indemnity or insurance in favor of or effected by or on behalf
of the Insured applicable to such occurrence or claim the company shall not be liable
under this policy to indemnify the Insured in respect of such occurrence or claim except in
so far as concerns any excess beyond the amount which would be payable under such
other indemnity or insurance had this policy not been effected.
The Insured shall take all reasonable precautions to prevent injury, illness or damage,
which may give rise to a claim under this policy.
3 Claims Forms and Documentation:
TRUST YEMEN INSURANCE & REINSURANCE CO.

CLAIMS HANDLING GUIDELINES
PREPARED BY: HUSSAIN AYYOUB (GM) & FAHEEM SAEED (HEAD OF TECH. DEPT.) Page 1 of 19
GENERAL THIRD PARTY LIABILITY
CLAIM INTIMATION FORM
Name of Insured :
Telephone Number :
Address :
Policy Number :
Claim Number :
1. When did the incident relating to the : Date: Time:

damage take place?
2. Address of the premises and/or place :

where the damage occurred
3. For what purposes were the premises :

occupied on the date of the damage?
4. What was the cause of the damage, and :

how did it occur? Please give full details
5. Does the property in respect of which the :

claim is made belong to you?
______ Yes ______ No
6. Name and address of the owner of the :

property damaged due to the accident
7. Is there any bodily injury or death :

involved in the incident mentioned
above? ______ Yes ______ No
8. If yes please mention :- :
a) Name of the injured or deceased
b) In case of bodily injury the present

condition of the injured person
(please attach medical certificate)
Is the injured person your employee ______ Yes ______ No

9. a) Do you consider yourself liable for :
the damage to the property? ______ Yes ______ No
b) If so, please give reason in details :
10. a) Have you become liable for similar :

cause in the past? ______ Yes ______ No
b) If so, please give details :
11. What is the estimated amount
a) Property damage ______________
b) Bodily injury ______________
I/We do hereby declare that the above is a full, true and accurate statement, relating to the accident
mentioned above.
______________________
Signature of the Insured Date
4 Loss Report:
To be prepared by Company’s Claims Department in case of minor loss/damage or by
Appointed Loss Adjuster in case of substantial loss/damage. Information listed in the
Claim Intimation Claim Form has to be taken into account.
5 Summary of Reinsurance Treaties Claims Relevant Conditions:
Motor GTPL, WC & EL Excess of Loss Treaty:

 Notice of Claims: Immediate written notice to the Reinsurer should be precedent to
Reinsurer’s liability in respect of any claim. Reinsured shall be thereafter keep the
Reinsurer fully informed of all significant changes relating thereto as soon as they
occur. Any further additional information concerning such claims should be provided
to Reinsurer together with relevant reserves as at the end of each year.
 Reinsurer shall pay his share of loss upon receipt of evidence of payment by
Reinsured.
 Before the Reinsured’s ultimate net loss has been ascertained, the Reinsurer shall
remit provisional payments to the Reinsured as soon as the deductible is exceeded
by payments.
6 Claims Settlement Authority Limits:

- The General Manager, to settle GTPL Claims up to the limit of YR.2,000,000.00
(two million Yemeni Riyals), equivalent to about US$ 11,000.- Referral is made to
Amman Regional Office for claims in excess of this amount.
- Head of Technical Department, to settle GTPL Claims amounting up to YR.150,
000. - (Yemeni Riyals One Hundred Fifty Thousand).

2. WORKMEN’S COMPENSATION (W/C) & EMPLOYERS’ LIABILITY (E/L):
2.1 Claims Procedures:

For all types of General Accident policies, the following procedure shall generally apply.
The procedure will vary from one type of policy to another only in terms of documents that
Insurer requires to enable him to process the claim.
Immediately send notice to Insurer or to Insured’s broker/agent.
a. Insured will then receive a corresponding acknowledgement letter from

Insurer indicating the latter next course of action, i.e.:
1. Submit claim documents as listed below for Insurer in-house
evaluation/processing of claim; or
2. An independent adjuster has been appointed to handle the
investigation of Insured claim and will shortly get in touch with Insured
to schedule the inspection.
b. As soon as investigation/evaluation of the claim is completed, Insured will be

notified of Insurer’s position, i.e., offer of specific amount as settlement with
accompanying computations/breakdown, if necessary, or denial, if the claim is
not within the coverage of the policy.
c. If Insured agrees with the offer, he sends back to Insurer the Notice of
Claims Settlement with his signature/conform. It is advisable to send
correspondence via fax of personal delivery for the sake of minimizing
delay in receipt.
2.2 Summary of Policy Claims conditions:
 In the event of any occurrence which may give rise to claim under this Policy the Insured
shall as soon as possible give notice thereof to the Company with full particulars. Every
letter claim writ summons and process shall be notified or forwarded to the Company
immediately on receipt. Notice shall also be given to the Company immediately. The
Insured shall have knowledge of any impending prosecution inquest or fatal enquiry in
connection with any such occurrence as aforesaid.
 No admission offer promise or payment shall be made by or on behalf of the Insured
without the consent of the Company which shall be entitled if it so desires to take over
and conduct in his name the defense or settlement of any claim or to prosecute in his
name for its own benefit any claim for indemnity or damages or otherwise and shall
have full discretion in the conduct of any proceedings and in the settlement of any claim
and the Insured shall give all such information and assistance as the Company may
require.
2.3 Claims Forms and Documentation
WORKMEN COMPENSATION
ACCIDENT DECLARATION
Name of Insured ……………………………………………….. Policy No……………..

Name of Injured ………………………………………………..
1. Name: .........................................................2. Occupation: ………………………………………..

3. Nationality: ………………4. Date: ……………..5. Male:/Female ………………6. Marital Status: ………
7. Working days per week ……………………8. Salary { ………… per day, …………… per month)
THE ACCIDENT
9. Place ………………………….10. Date ……………………..11.Time ……………………..a.m./p.m.
12. Circumstances & Description of the accident

…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………….
13. Name and address of the persons involved in the accident

…………………………………………………………
………………………………………………………………………………………………………………………….
14. Name and address of witnesses ………………………………………………………………………………………

………………………………………………………………………………………………………………………….
15. Nature & Extent of Injury (or sickness)………………………………………………………………………………
MEDICAL TREATMENT
16. Name & address of doctor by whom treatment was given:

…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………
…………………………………………………………………………………………
17. Has the injured resumed his work? …………… 18. When?: …………………………….
Claim No.
………………… Signature

Date filled (The Insured or his Representative)
…………………
2.4 Loss Report:

Medical report to be provided by Medical Practitioner showing nature & extend of injury or
sickness together with medical prescription.
2.5 Summary of Reinsurance Treaties Claims Relevant Conditions

Motor GTPL, WC & EL Excess of Loss Treaty:
 Notice of Claims: Immediate written notice to the Reinsurer should be precedent to
Reinsurer’s liability in respect of any claim. Reinsured shall be thereafter keep the
Reinsurer fully informed of all significant changes relating thereto as soon as they
occur. Any further additional information concerning such claims should be provided
to Reinsurer together with relevant reserves as at the end of each year.
 Reinsurer shall pay his share of loss upon receipt of evidence of payment by
Reinsured.
 Before the Reinsured’s ultimate net loss has been ascertained, the Reinsurer shall
remit provisional payments to the Reinsured as soon as the deductible is exceeded
by payments.
2.6 Claims Settlement Authority Limits

- The General Manager, to settle Workmen’s Compensation Claims up to the limit
of YR.2,000,000.00 (two million Yemeni Riyals), equivalent to about US$ 11,000.-
Referral is made to Amman Regional Office for claims in excess of this amount.
- Head of Technical Department, to settle Workmen’s Compensation Claims
amounting up to YR.150, 000. - (Yemeni Riyals One Hundred Fifty Thousand).
3- PERSONAL ACCIDENTS (PA):
3.1 Claims Procedures
A- Immediate notice to be send to Insurer or to Insured’s broker/agent.

B- Insured will then receive a corresponding acknowledgement letter from

C- As soon as investigation/evaluation of the claim is completed, Insured will be

notified of Insurer’s position, i.e., offer of specific amount as settlement
with accompanying computations/breakdown, if necessary, or denial, if the
claim is not within the coverage of the policy.
D- If Insured agrees with the offer, he sends back to Insurer the Notice of Claims
Settlement with his signature/conform. It is advisable to send correspondence
via fax of personal delivery for the sake of minimizing delay in receipt.
3.2 Summary of Policy Claims Conditions:

 As soon as possible but in any case within seven days after any event which may
give rise to a claim under this policy the Insured shall at his expense furnish to

the Insurer a written notice thereof and any certificates, information and evidence
that may from time to time be required by the Insurer.
 Following any event for which compensation is payable under this policy, the
Insured person shall employ the services of a registered medical practitioner and
undergo any treatment such practitioner deems necessary.
 In case of the Insured Person’s death, the Insurer shall be entitled to have a post
mortem examination carried out at its own expense.
 The Insurer shall not be bound to notice or be affected by any notice of trust
charge or alienation relating to the policy and the receipt of the Insured or any
claimant shall in all cases effectually discharge the Insurer.
 If any claim submitted under the policy by the Insured or an Insured person of by
any person acting on behalf of the Insured person shall in any respect be false or
fraudulent, the Company shall be under no liability to make payment in respect of
such claim.
3.3 Claims Forms and Documentation: As herebelow:
STATEMENT OF THE ATTENDING PHYSICIAN OR SURGEON

DEFINITIONS OF DISABLEMENT
TOTAL DISABLEMENT implies immediate, continuous and absolute physical incapacity, as the result of the accident attend
to any portion of the business or occupation of the assured.
PARTIAL DISABLEMENT implies like continuous physical incapacity to perform one or more important daily or duties
connected with the occupation of the insured.
1. Give name of claimant referred to this certificate?

2. On what date were you first consulted by this claimant?
3. Where did you first attend him ? At his home, or at your clinic
or elsewhere?
4. How many times did you treat him for his injury? At Hospital …………..At his home…………At my
clinic………..
5. On what date did you last give him actual and necessary
treatment for his injury?
6. Describe the exact nature location and extent, of all injuries
found by you on first examination?
7. If injury involved eye, or limb, state whether right or left?
8. What external or visible signs of violent injury did you find

during your attendance?
9. In your opinion, what was the cause of the injury or

conditions above described?
10. Did the above injury necessitate any surgical treatment or

surgical operation?
11. How long was he necessarily confined to the house solely by

his injury? From:……………………………….To:
………………………………
12. How long was he totally disabled, solely by this injury, so
what he was physically unable to perform ANY and EVERY From:……………………………….To:
duty of his occupation? ………………………………
13. If not confined to house during any portion of the period of
total disability, why was he unable to resume work in whole
or part?
14. How long was he partially disabled, solely by this injury, so
that he was physically unable to perform some important From:……………………………….To:
daily duties of his occupation? ( Do not include any period of ………………………………
total disability in this).
15. Name the particular work he was unable to do during partial

disability?
16. Has he previously suffered from the same or similar injury, or
from injury to same part of body.
17. Was he at time of this accident, or during this disability,

affected with previous injury disease?
18. Was he at time of this accident, or during this disability,

affected with previous injury or any disease?
19. When and for what injuries or ailments have you previously
treated him?
20. How long has been his regular physician?
21. Who has been his physician previously?
…………200…………………………………………………………………………… Signed ……….

………………………………………..
(Attending
Physician)

Graduate of………….
…………………………………
(Year Graduated)
……………………………….……
Clinic
Address……………………………………..….
Miscellaneous Accident First Surplus Treaty:

Paid losses shall be debited in the half-yearly accounts, but when the amount of loss
falling upon all Reinsurers sharing the Quota Share to whish this treaty applies exceeds
US$100,000 the Reinsurer shall upon receiving advice from the Reinsured pay the
amount of his proportion of the loss within 14 days of receipt of such advice. The amount
so paid shall be credited to the Reinsurer in the half yearly accounts.
Claims in respect of which the loss is estimated to attain or exceed US$100,000 or the
equivalent in other currencies for all Reinsurers sharing the Quota Share to which this
Treaty applies shall be advised to the Reinsurer as soon as possible after they come to
the knowledge of the Reinsured and the relative estimate of loss is available.
The Reinsured at its sole discretion and without any right on the part of the Reinsurer to
interfere shall adjust, settle or compromise all claims and losses. Every such adjustment,
settlement and compromise including ex-gratia payments shall be binding on the
Reinsurer. The Reinsured shall likewise at its sole discretion commence, continue,
defend, compromise, settle or withdraw from actions, suits or prosecutions and generally
do all such matters and things relating to any claim or loss as in its judgment may be
beneficial or expedient and all payments made and cost and expenses incurred in
connection therewith shall be shared by the Reinsurer in proportion to his liability for the
claim or loss. Any share of expenses in connection with settlement of claims or losses
shall not, however, include any part of the salaries of the permanent employees or the
office expenses of the Reinsured. The Reinsurer shall participate in proportion to his
share in all amounts recovered by the Reinsured by way of salvage or other recoveries.

- The General Manager, to settle Personal Accidents Claims up to the limit of
YR.2,000,000.00 (two million Yemeni Riyals), equivalent to about US$ 11,000.-
- Head of Technical Department, to settle Personal Accidents Claims amounting
up to YR.150, 000. - (Yemeni Riyals One Hundred Fifty Thousand).
4- FIDELITY GUARANTEE (FG):
C- Insured will then receive a corresponding acknowledgement letter from




(A) Claims - Action by Insured
On the happening of any act of fraud or dishonesty committed by any of the Employees or
any reasonable cause for suspicion thereof which may give rise to a claim under this
Policy the Insured must:
a) Give notice to the Company in writing within fourteen days.
b) Within three months after such notice deliver to the Company at their own
expense except as otherwise provided full details of the claim and supply all
such detailed proofs and particulars as may be reasonably required.
No amount shall be payable under this Policy in respect of such Employee by reason of any
act committed after such knowledge shall have come to the Insured.
(B) Control of claims
In the event of a claim being made against the Company under this Policy:
a) The Insured shall give the Company any evidence it may reasonably require to be
satisfied that the loss claimed for has actually arisen in accordance with the cover
under this Policy.
b) All books of account of the Insured or any accountants' reports shall be open to the
inspection of the Company and the Insured shall give all information and assistance
to enable the Company to sue and obtain reimbursement of any moneys which the
Company shall have paid or become liable to pay under this Policy.
c) All money which but for fraud or dishonesty of the Employees would become
payable to them by the Insured and any money recovered from the Employees by
the Insured shall be deducted from the amount of the loss.
d) If any loss covered by this Policy exceeds the Amount of Guarantee or the
Aggregate Limit of Guarantee the Insured shall be entitled to all recoveries to the
extent of his uninsured loss excluding the actual costs of effecting the recovery.
(C) Other Insurances
If at the time of any loss there be any other insurance effected by or on behalf of the Insured
covering the same loss the liability of the Company hereunder shall be limited to its ratable
proportion of any sums payable for such loss.
(D) Fraudulent Claims
If a claim is made by or on behalf of the Insured which is in any respect unfounded or

fraudulent or intentionally exaggerated or if any false declaration or statement is made in
support of it no claim shall be admissible.
4.3 Claims Forms and Documentation: As attached:

FIDELITY GUARANTEE
1. a) Name of the Insured (in full) :
b) Address :
c) Business :
2. Policy No. :

3. Claim No. :
4. a ) Name of the defaulting employee in full :
b) His present address :
5. Amount of loss sustained :
6. Date of discovery of the defalcation :
7. Date(s) of defalcation :
8. How exactly was the defalcation

committed? If space is not sufficient,
please give full and detailed particulars on
a separate signed sheet. (Also please
attach a certified statement containing all
entries in the Insured’s books of accounts
relative to the defalcation in the order of
their dates).
9. Please reply fully to the following questions

regarding the duties of the employee at the
time defalcation:-
a) In what capacity was he engaged

and where?
MONEY
b) In what way did money reach his :

hands?
c) What was the largest sum which he held :

in his hands at any one time and for
how long
d) Was he allowed to pay out any amounts :

on the Insured’s behalf?
e) Who authorized these payments or :

issued?
f) Was he required to give printed :

receipts from a book with counterfoils?
If so, how often were the counterfoils
examined and cheeked and by whom?
g) Were moneys paid into Bank by the :

defaulting employee? If So, how often
were bankbooks examined and
checked and by whom?
h) What balance, if any was allowed is :

kept in his hand?
I) How often were his Cash Accounts :

balanced and how was their accuracy
checked? Please explain fully.

j) How often were accounts sent direct :
to Customers independently of the
employee?
STOCK
k) Did the employee have charge of stock? :

If so, in what way did stock reach his
hands?
l) Was he allowed to issue stores or :

materials independently? If not, who
authorized these issues?
m) How often was the position of stock :

handled by the employee checked?
n) When was the last check made? :
10. How often were the Account :

Books/Stock Books at the place of the
defaulting employee’s employment
audited and by whom? When was the
last audit done?
11. Has the Insured any moneys, estate, or :

effects of the employee in his
possession?
If so, give particulars with amounts.
12. Does the Insured hold any other :

security from the employee? If so, state
its nature and amount.
13. Is the defaulting employee a member of :

a joint family or does he hold any
property such as furniture or other
effects?
If so, give details.
14. Has the employee any near relatives? If :

so, give their names and addresses, if
known
15. Has the Insured taken any action :

against the employee? If so, state the
nature of action taken.
16. Has the loss been reported to the :

Police?
If so, state at which Police Station and
what action, if any has been taken by them.
I/We hereby declare that the foregoing particulars are true and correct in every respect.
Place:
Date: -----------------------------------
Signature of the Insured

Supporting Documents:
1. File of the defaulting employee (i.e. application for employment with picture)
2. Certificate of Employment of the defaulting employee including his/her duties
and responsibilities and period of employment.
3. Certificate of monies withheld due to the defaulting employee (such as: unclaimed
salary, commission, unpaid sick/vacation leaves and other monetary benefits)
4. Audit Report, inclusive of the following attachments:
a. DR/PR or Invoices and Checks
b. Affidavit of Payment or Customer's confirmation in writing
c. Copies of the subsidiary ledgers showing non-posting of payments
defalcated by the erring employee.
5. Copy of written internal control procedure
6. Affidavit of the person who discovered the loss
7. Copies of all Insured's Inter-Office Memo, Investigation Report
8. Police Report and Statement of Witnesses (if any)
9. Legal documents for filing of Civil case against erring employee such as:
a. Demand Letter
b. Copy of Affidavit / Complaint and Counter Affidavits/Answers with all Exhibits
and Annexes
c. Status of the case files and others
10. Copy of the policy schedule showing that the involved employee is covered
11. Copy of admission / confession letter of the defaulting employee.
Loss Report:
To be prepared and submitted either by Company’s Inspector or by an appointed loss adjuster.


- The General Manager, to settle Fidelity Guarantee Claims up to the limit of
- Head of Technical Department, to settle Fidelity Guarantee Claims amounting
up to YR.150, 000. - (One Hundred Fifty Thousand Yemeni Riyals).
5- Cash in Safe (CIS) & Cash In Transit (CIT):

A- Immediate notice to be send to Insurer.
D- Insured will then receive a corresponding acknowledgement letter from



D- If Insured agrees with the offer, he sends back to Insurer the Notice of Claim
Settlement with his signature/conforms. It is advisable to send correspondence
 On the discovery of any occurrence which may give rise to a claim under this Policy the
Insured shall:
a) give immediate notice to the Police and take all practicable steps to discover and
punish any guilty person or persons and to trace and recover any part of the Money
lost;
b) Forthwith give written notice to the Company with particulars so far as the same
shall be known to the Insured and shall within fourteen days thereafter or such
further time as the Company may allow deliver to the Company at his own expense
a final statement of the loss or damage sustained in the form required by the
Company. The Insured shall permit the Company at all reasonable times to
examine the Insured’s premises and shall furnish evidence satisfactory to the
Company to substantiate any claim.
 The Company shall be entitled in the name of the Insured to have the absolute conduct
and control of all or any proceedings that it considers necessary for the purpose of
tracing and recovering Money lost or of securing reimbursement in respect of Money
lost and the Insured shall at the Company’s expense furnish all such assistance as may
reasonably be required by the Company in connection with such proceedings.
MONEY INSURANCE
Name of Insured :
Business Address :
Policy Number :
Claim Number :
1. a. Date and time of occurrence of loss : Date: Time:

b. Date of discovery of loss. : Date:
2. a. What were the places between which :

money was in transit?
b. Where did the loss occur? :
c. Who reported the loss? :
(A copy of our written statement to be

attached)
3. a. In whose custody was the money at :

the time of the loss?
b. Who were the other persons :

accompanying the person carrying
the money?
c. Did armed guards with firearms : Yes No

accompany the money?
d. How many persons accompanied :

him?
4. Brief details as to the exact circumstances :

under which the loss occurred.
5. a. How was the money carried? :

(Whether in pocket, bag, briefcase,
etc.).
b. Was such a bag, briefcase, etc : Yes No

securely locked?
Four. By what conveyance was the money

carried?
6. a. What was the amount of money being :

carried?
b. Was the total amount checked at the : …………….Yes ……………No

time of handing it over to the
messenger?
c. Was any acknowledgment received : …………….Yes ……………No

from him?
7. What was the amount of loss? :
8. Has a compliant been made to the Police? : …………….Yes ……………No

If so, please attach a copy thereof.
If not, this should be done immediately.
9. What steps have been taken to recover the : …………….Yes ……………No

lost money?
10. a. When did the employees concerned :

enter your services?

b. Was anyone of them involved in a : …………….Yes …………….No
similar loss before?
c. Are you satisfied that the version : …………….Yes …………….No

given by them in correct:
d. Do you hold any cash deposit or any : …………….Yes …………….No

other security from them?
e. Are any of them covered under any :

Fidelity Guarantee policy? If so, give
details.
11. Have you ever before sustained a loss of : …………….Yes …………….No

this nature? If so, please give particulars.
12. Are there any other insurance upon the :

same money? If so, please give particulars.
I/We do hereby declare that the above is a full, true and accurate statement, relating to the accident
mentioned above.
Signature Date
Supporting Documents:
1. Insured's Incident Report

2. Police Investigation Report
3. Affidavit or Statement of Driver / Helper
4. Affidavit or Statement of Witness (if any)
5. Audit Report/Findings with supporting documents (i.e. official receipts/provisional
receipts, sales invoices)
6. Check vouchers / cancelled checks
7. Payroll Sheet (for payroll robbery)
8. Replenishment Record (for Petty Cash)
9. Collection Report (for Cash Collector)
5.4 Loss Report:

To be prepared and submitted either by Company’s Inspector or an appointed Loss
Adjuster. Such report should include all particulars of the loss in light of Intimation Claim
Form.



- The General Manager, to settle Money Insurance Claims up to the limit of
- Head of Technical Department, to settle Money Insurance Claims amounting
up to YR.150, 000. - (Yemeni Riyals One Hundred Fifty Thousand).
6- Bankers Blanket (BB):
E- Insured will then receive a corresponding acknowledgement letter from



notified of Insurer’s position, i.e., offer of specific amount as settlement with
accompanying computations/breakdown, if necessary, or denial, if the claim is
not within the coverage of the policy.

As a condition precedent to their right to be indemnified under the policy, the Assured
shall, as soon as possible, and in any event within 30 days after discovery by the Assured
of any loss, give written notice thereof to the Insurer.
The Assured shall also, within 6 months after such discovery, furnish to the Insurer
affirmative proof of loss together with full particulars.
Legal proceedings for recovery of any loss under the policy shall not be brought after the
expiration of 2 years from the discovery of such loss, except that any action or preceding
to recover on account of any judgment against the Assured in any suit shall be
commenced within 2 years from the date upon which the judgment in such suit shall
become final.

If the said 2 years limitations are prohibited by any law controlling the construction of this
policy, such limitation shall be deemed to be amended so as to be equal to the minimum
period of limitation permitted by such law.
Not Available.
6.4 Loss Report:

To be prepared and submitted by Appointed Loss Adjuster. Such report should include full
particulars of the loss together with supporting documents needed in such cases.


- The General Manager, to settle Bankers Blanket Claims up to the limit of
- Head of Technical Department, to settle Bankers Blanket Claims amounting up
to YR.150, 000. - (Yemeni Riyals One Hundred Fifty Thousand).


Claims - Miscellaneous

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MISCELLANEOUS INSURANCES

1. GENERAL THIRD PARTY LIABILITY (GTPL)

2 Summary of Policy Claims Conditions:

3 Claims Forms and Documentation:

TRUST YEMEN INSURANCE & REINSURANCE CO.

1. When did the incident relating to the : Date: Time:

2. Address of the premises and/or place :

3. For what purposes were the premises :

4. What was the cause of the damage, and :

5. Does the property in respect of which the :

6. Name and address of the owner of the :

7. Is there any bodily injury or death :

8. If yes please mention :- :

a) Name of the injured or deceased

b) In case of bodily injury the present

Is the injured person your employee ______ Yes ______ No

TRUST YEMEN INSURANCE & REINSURANCE CO.

b) If so, please give reason in details :

10. a) Have you become liable for similar :

b) If so, please give details :

11. What is the estimated amount

a) Property damage ______________

b) Bodily injury ______________

5 Summary of Reinsurance Treaties Claims Relevant Conditions:

Motor GTPL, WC & EL Excess of Loss Treaty:

6 Claims Settlement Authority Limits:

TRUST YEMEN INSURANCE & REINSURANCE CO.

2.1 Claims Procedures:

a. Insured will then receive a corresponding acknowledgement letter from

b. As soon as investigation/evaluation of the claim is completed, Insured will be

2.2 Summary of Policy Claims conditions:

2.3 Claims Forms and Documentation

Name of Insured ……………………………………………….. Policy No……………..

1. Name: .........................................................2. Occupation: ………………………………………..

TRUST YEMEN INSURANCE & REINSURANCE CO.

9. Place ………………………….10. Date ……………………..11.Time ……………………..a.m./p.m.

12. Circumstances & Description of the accident

13. Name and address of the persons involved in the accident

14. Name and address of witnesses ………………………………………………………………………………………

15. Nature & Extent of Injury (or sickness)………………………………………………………………………………

16. Name & address of doctor by whom treatment was given:

TRUST YEMEN INSURANCE & REINSURANCE CO.

2.4 Loss Report:

2.5 Summary of Reinsurance Treaties Claims Relevant Conditions

2.6 Claims Settlement Authority Limits

3- PERSONAL ACCIDENTS (PA):

3.1 Claims Procedures

A- Immediate notice to be send to Insurer or to Insured’s broker/agent.

3. Submit claim documents as listed below for Insurer in-house

C- As soon as investigation/evaluation of the claim is completed, Insured will be

3.2 Summary of Policy Claims Conditions:

TRUST YEMEN INSURANCE & REINSURANCE CO.

3.3 Claims Forms and Documentation: As herebelow:

STATEMENT OF THE ATTENDING PHYSICIAN OR SURGEON

1. Give name of claimant referred to this certificate?

TRUST YEMEN INSURANCE & REINSURANCE CO.

7. If injury involved eye, or limb, state whether right or left?

8. What external or visible signs of violent injury did you find

9. In your opinion, what was the cause of the injury or

10. Did the above injury necessitate any surgical treatment or

11. How long was he necessarily confined to the house solely by

15. Name the particular work he was unable to do during partial

17. Was he at time of this accident, or during this disability,

Is the injured person your employee Yes No