H C V UNDERWRITING MANAGERS (PTY) LTD
Insurance in Cape Town

This means policyholders get their trucks back on the road sooner than ever. The better policyholders understand the claims process, the better they can work with HCV and their broker to speed the claim. HCV understands and appreciates the value brokers add to truckers in supporting them when a claim occurs. By working together, the policyholder, broker and HCV can more effectively process a claim from beginning to end, to everyone's advantage. Fleet management copy, for example the movement report (if applicable) Remember to provide photographs of the damaged areas of the vehicle. Many of our clients have complied with this request, however, we are still experiencing exorbitantly high volumes of windscreen claims being processed by other glass service providers. In order to keep our premiums as low as possible, we have implemented a new windscreen claims process. HCV will waive the excess if the prices are in line with the (OEM) part price/s. If the policyholder purchases the OEM windscreen and has it fitted by an OEM approved supplier, HCV will authorise the fitment, reimburse the policyholder the cost of the windscreen and also waive the excess. Please note that if a policyholder wishes to replace a windscreen through any other windscreen provider, the policyholder will be responsible for settling the account in full. They can then submit the invoice, completed claim form and proof of payment to HCV. Once HCV has received these documents we will reimburse the policyholder for the amount the OEM invoice would have been plus the fitting cost, less the applicable excess. If price is in line with OEM (vehicle manufacturer agent) part price, HCV authorises the fitment and waives the windscreen excess. If the policyholder has purchased OEM (vehicle manufacturer agent) part, HCV authorises an OEM approved supplier to replace the windscreen and waives the excess. HCV reimburses the policyholder for the full windscreen cost and will pay OEM approved supplier for the fitment. If the windscreen has been replaced by the supplier they must prove that the windscreen price charged is the same as the OEM windscreen price in order for HCV to waive the excess for that particular windscreen replacement. Included amongst these are the need for collaborative efforts to further improve driver behavior specifically in relation to the rights of other road users; harness additional support from both brokers and clients in our dealings with third parties; and improve the ratio of approximately 90% of all collisions involving third parties from being deemed to be attributable to the fault of our insured drivers. This minimal penalty is accordingly intended to play a deterrent role against reckless and negligent driving conduct. We are confident that you will appreciate the necessity of this measure and that you will support us in communicating this endorsement to all policyholders.