Liability Claim Process

Uninsured third-party claim form
“Without Prejudice of rights and/or admission of liability”
Dear Claimant,
Please find within the Discovery Insure third-party claim form to be completed and returned to Discovery
Insure’s Legal Department with the required documentation as stipulated below.
Email address: InsureTP@discovery.co.za

Telephone number: 011 529 6796
Very important: Please quote our claim number (we cannot address your claim without the claim number).
Damage to vehicles, motorcycles, caravans, or trailers

1. Vehicle registration certificate – Please note that this is not the licence renewal certificate. If the
vehicle is financed, this certificate can be obtained from the financial institution where the vehicle is
financed.
2. Copy of certified ID of the registered owner.
3. Driver’s licence of the driver.
4. Insured vehicle – no claims letter from your insurance, or uninsured vehicle – affidavit of non-
insurance done by the registered owner of the vehicle.
5. Minimum of two quotations.
6. Photographs of impact area in relation to damages to your vehicle (wide and narrow view).
7. 360-degree view and photographs of your vehicle, including the make and model of the
accident-damaged vehicle.
8. Photographs of the licence disc of the vehicle.
9. Photographs of the gear lever of the accident-damaged vehicle.
10. Mileage reading of the accident-damaged vehicle.
Claims for damage to property, buildings, walls, or fences

1. Proof of ownership, for example, a utility bill.
2. Copy of certified ID of the owner.
3. Insured – no claims letter from your insurance, or uninsured – affidavit of non-insurance by the
owner of the property.
4. Two quotations for the damages sustained to your property.
5. Photographs of the damages sustained to your property (wide and narrow view).
Please note that the above requested documents are compulsory and not limited to the above to assist in
your claim against our insured client.
Upon receipt of all required documentation, the claim process is as follows:

1. You will get an acknowledgment of receipt by email or a phone call within five business days after
directing your approach/demand to Discovery Insure.
2. You are a third party, claiming from our client’s policy under their liability cover in terms of their policy
insurance with Discovery Insure. Our client may be covered for the amount they are “legally” liable to
pay to you. The amount our client is “legally” liable to pay is determined by the law of delict and in terms
of the Apportionment of Damages Act 34 of 1956, where applicable.
3. For us to attend to your claim, our client must have registered a claim with Discovery Insure that has
successfully been validated, and there should be further compliance regarding the fulfilment of their
policy’s conditions.
4. Your claim is based on a claim for damages in accordance with the law of delict. Discovery Insure nor our
insured client will be liable for the repair of your vehicle in respect of the damage they negligently caused.
Subsequent to our investigation on the matter and we have adjudicated that our insured client is the liable
party, we will forward a settlement proposal to you in terms of a monetary rand value only, unless agreed
otherwise.
5. Please be mindful of the following timelines:
5.1. Quantification review – within 20 business days. This process is where Discovery Insure will evaluate
your claimed amount against the policyholder according to the quotes you have supplied to
Discovery Insure.
5.2. Merit review and request for further information – within 20 business days. This is the verification
of the version of events you and our policyholder provided, as well as reviewing any further
evidentiary material that will allow Discovery Insure to make a settlement proposal on the claim
against our policyholder.
5.3. Payment of third-party settlement – within 20 business days.
5.4. Merit and settlement dispute – within 30 business days.
6. Upon receipt of the quantification assessment report, your claim will be validated on the merit of the
incident and a decision to settle or reject your claim will be made.
7. This decision will be communicated to you in writing.
8. Please note that if an offer is made to settle the claim, the offer will be made as a “once-and-for-all”
monetary amount.
9. Only the registered owner of the vehicle or property can accept the offer and payment will only be made
to the registered owner of the vehicle or property. It will be paid into their respective bank account,
unless otherwise agreed by the parties involved.
10. Under no circumstance will Discovery Insure authorise a service provider (for example, a panel beater) to
start repairs on your vehicle or property.
2023/07 Page 2 of 8
11. Due to your legal responsibility as a third party to mitigate your loss, no car hire, courtesy vehicles,
storage cost or any other consequential loss will be arranged by Discovery Insure, and we do not pay for
the aforementioned.
2023/07 Page 3 of 8
Third-party claim form
Please complete this form and send it to InsureTP@discovery.co.za with the required information. Please
quote the claim number on each page.
Discovery Insure client’s details

Claim number (very important) : _______________________________________
Client: __________________________________________
Third party’s details
Are you a Discovery Insure client? : Yes No
Please select an option
Discovery Insure Policy number: __________________________________________
Third party’s contact details

Full names of owner: __________________________________________
Home number: __________________________________________
Work number: __________________________________________
Cellphone number: __________________________________________
Email address: __________________________________________
Contact person’s details: __________________________________________
Vehicle details (motor vehicle damage only)

Registration number: __________________________________________
Vehicle make: __________________________________________
Vehicle model: __________________________________________
Model year: __________________________________________
Is the vehicle driveable?: __________________________________________
Accident Report number: __________________________________________
Location of vehicle: __________________________________________
2023/07 Page 4 of 8
Incident description
Please give a detailed description of how the incident occurred:
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
Incident sketch
Please draw a sketch showing how the incident occurred and indicate where all vehicles/parties involved
were at the time.
Incident damages
Please provide the description of the incident damages, if applicable:
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
2023/07 Page 5 of 8
Please show the accident damages only on the diagram below (motor vehicle damages only)
Left
Right
2023/07 Page 6 of 8
Witness statement form
Full names: ____________________________________________
Home address: ____________________________________________
____________________________________________
Business address: ____________________________________________
____________________________________________
Home phone number: __________________________________
Work phone number: ____________________________________
Cellphone number: ______________________________________
Email address: _________________________________________
Please complete the following details regarding the incident:

Date and time of incident: ____________________________________________
Weather conditions: ____________________________________________
Visibility: ____________________________________________
Street or intersection: ____________________________________________
____________________________________________
Suburb or town : ____________________________________________
Vehicles involved: ____________________________________________
____________________________________________
Did you have a clear view of the incident? : ____________________________________________
Where were you at the time of the incident? : ____________________________________________
Do you know either party involved in the incident? Yes/No
If YES, please explain your relationship here: ____________________________________________
____________________________________________
Were there any other witnesses on the scene? If so, please provide their names and contact details:
__________________________________________________________________________________________
__________________________________________________________________________________________
Incident description:
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________
2023/07 Page 7 of 8
Incident sketch
2023/07 Page 8 of 8

Liability Claim Process

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Liability Claim Process

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Uninsured third-party claim form

“Without Prejudice of rights and/or admission of liability”

Email address: InsureTP@discovery.co.za

Damage to vehicles, motorcycles, caravans, or trailers

Claims for damage to property, buildings, walls, or fences

Upon receipt of all required documentation, the claim process is as follows:

Discovery Insure client’s details

Third party’s details

Are you a Discovery Insure client? : Yes No

Please select an option

Discovery Insure Policy number: __________________________________________

Third party’s contact details

Vehicle details (motor vehicle damage only)

Please complete the following details regarding the incident:

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