In the event of a loss covered by any cover to which the Member has subscribed, the Member may submit a claim to the Mutual using this prescribed form (a “Claim”) and such Claim will be considered by the Directors (or the Managers) provided always that:
the Member has no outstanding subscriptions, including from previous years; and
the Claim is adequately supported by documents and evidence and that any specific information and/or documents requested by the Directors (or the Managers) when assessing the Claim have been provided.
The Mutual has an absolute discretion whether or not to pay a Claim and if so in what amount. Whether or not to pay a Claim, and whether or not to pay a Claim in whole or in part, shall be subject, at all times, to the absolute discretion of the Mutual (and the Directors and the Managers acting for the Mutual).
In the consideration of any Claim, the Directors and/or the Managers shall ensure that a Member is treated fairly but they will also take account of the interests of all of the Members and of the Mutual generally and they shall be entitled to make payment to a Member, or not, as they see fit. The usual approach of the Directors (and the Managers) will be, in any event, not to pay more than the Member’s total available accumulated annual subscriptions paid by the Member during the current year, net of a reasonable proportion of the Management Fees and Expenses.
The Mutual may require the Member to subrogate to it any claim or rights it has against a third party as a condition of payment of a Claim.
We aim to provide:
A high quality, efficient and helpful service.
A swift and courteous response to all claim forms, associated documentation or correspondence sent to Mutually Protected International.
Prompt payment in respect of valid claims following their authorisation.
A speedy indication if a claim cannot be met until further information is received,
Up to date information on the current position of your claim if it cannot be paid quickly.
In order to prevent and detect fraud and protect the members of the Mutual we may at any time:
Share information about you with other organisations and public bodies including the Police;
Undertake credit searches and additional fraud searches;
Check and/or file your details with fraud prevention agencies and databases, and
if you give us false or inaccurate information and we suspect fraud, we will record this to prevent fraud and money laundering.
We can supply on request further details of the agencies and databases we access or contribute to and how this information may be used. If you require further details please contact us.
We and other organisations may also search these agencies and databases to:
Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household;
Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or policies;
Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity;
Under the conditions of your membership to the Mutual you must tell us about any Policy related incidents whether or not they give rise to a claim for your selected cover.
We may search relevant databases in the event of any incident or claim to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
In assessing any claims made, the Mutual or its agents may undertake checks against publicly available information such as electoral roll, county court judgments, bankruptcy orders or repossessions. Information may also be shared with other insurers either directly or via those acting for the Mutual (such as loss adjusters or investigators).
