Claim Procedure

This is a general guideline on claim procedure between the parties to an insurance contract.


- Notice of accident/loss/damage:

  • In case accident/loss/damage occurs, the Insured is required to give immediate notice of accident/loss/damage to the Insurer and/or to the Authority Body/Police in accordance with laws if any in order to receive necessary assistance. Notification will be in writing (fax/email…) or phone call.
  • Cooperate with the Insurer to carry out the loss survey which is the basis for claim settlement.

- The Insured is required to take steps to minimize the loss or damage and recover any missing property.
- The Insured is required to provide the Insurer with evidence of loss such as extent and cause of loss/damage, supporting documents for claim amount and other related documents as may be required by the Insurer, etc.
- The Insured is required to reserve the Insurer's subrogation right against any third party who caused loss/damage to the Insured's interest.
- The Insured cooperates with the Insurer in considering and choosing a suitable solution/repairer/supplier with the reasonable price for repairing/reinstating the loss/damage.


Upon receipt of loss notice from the Insured, the Insurer will conduct a loss survey within reasonable period of time if any.

The Insurer will give the Insured further detailed advice if any on case by case basis. 

The Insurer will consider and settle the Insured's claim if the loss/damage is covered by the insurance contract and fully supported.


A general claim file normally consists of the following:

1. Notice of Claim by the claimant to Samsung Vina Insurance.

2. Claim note/letter by the claimant  including a completed claim for

3. Documents relating to circumstances and cause of loss

- Internal report by the Insured on the incident including extent and cause of loss/damage and counter measures, etc.

- Technical/Investigation report from Police, Authority, Expert, etc.

4. Fire protecting and preventing documents (in case of FIRE)

5. Documentation of the insured subject matter including insurance certificate/policy:

- Machinery/equipment: Fixed asset list up to Date of Loss, specification, warranty, operation guidance, operation logbook, catalogue, drawing, purchase contract & invoice, etc.

- Building: Fixed asset list up to Date of Loss, specification of construction, drawing, contract & invoice, hand-over/acceptance minutes, etc.

- Stocks: specification, audited financial statement, purchase invoice, inventory report before and after the incident, etc.

- Motor: registration card, periodical inspection certificate for technical safety, driving license, insurance certificate, etc.

- Personal accident: driving license, salary slip, relevant medical document and expenses receipt, etc.

- Marine cargo: relevant shipping document, POD (proof of delivery), COR (cargo outturn report), ROROC (report on receipt of cargo), Irregular record, etc.

6.Supporting documents for claim amount: quotations, purchase order, job order, part request and delivery slip, contract, invoices, bills, hand-over/acceptance minutes, etc.

7.Salvage sale docs: Scrap/Destruction Report, contract, invoice, hand-over minutes, etc.

8.Survey report (if any)

9. Subrogation documents (If any): Subrogation Letter, Agreement on assignment of claims

10.Other documents as may be required

Noted that, for above documentation list, it is general list for client ‘s information. Based on specify loss situation, the Claim Adjuster/ Loss Adjuster will send a letter about request documentation to the client when finishing the site inspection.



After receiving claim documents from the Insured, the Insurer will verify and inform the Insured of whether claim documents submitted are legally sufficient or not:
- If not, asking the Insured to supplement the further required one
- If yes, the Insurer will send the Insured a notice of claim settlement.
After receiving the confirmation by the Insured on the payable claim amount and all the premium due to the Insurer is received by the Insurer, the Insurer will make payment for claim.
Claim settlement will be based on the insurance contract between the Insured and the Insurer and in accordance with related laws in effect.