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In case of a cyclone, in order to protect yourself, your loved ones and belongings, please click on the attached documents for some precautionary tips and claim forms.

BOAT OWNERS

BEFORE THE CYCLONE HITS:

• Ensure that your boat is hauled safely ashore or taken to a sheltered area as per your policy conditions.

• Ensure that your current list of emergency phone numbers is updated.

• Prepare a list of service providers and their contact details that can assist you for a prompt recovery in case of loss or damage.

DURING THE CYCLONE:

• Ascertain that your boat has been properly secured.
• Avoid putting yourself or others in danger by undertaking any risky initiative.

AFTER THE CYCLONE

 If you have suffered loss or damage:

• Take the maximum photos showing the extent of loss or damage; but only if it is safe to access the boat.
• Advise us as soon as possible by calling us on 207-3444.
• As far as possible and practicable, kindly take necessary measures to minimize the loss – e.g engines must be washed of all seawater, dismantled, cleaned, flushed and greased once they are removed from the sea.
• Safely  secure any damaged engines or parts for inspection pending arrival of surveyor.
• As soon as practicable, a loss adjuster/surveyor will be sent to assess the extent and quantum of damage.

HOW TO SUBMIT A CLAIM:

The claim form to be filled can be downloaded from our website:

https://www.swanforlife.com/en/useful-links/make-a-claim/claim-notification-non-motor-insurance while including your insurance policy number.

• If possible provide the occurrence Book Number (National Coast Guard) and a copy of the statement given to the coast guards.
• Photos of the Sinking Boat and engines.
• Estimate of repairs for both the Hull and Engine.

Click here to download the precautionary measures and Claim Forms for Boat Owners

HOME OWNERS

BEFORE THE CYCLONE HITS

• Be sure trees and shrubs around your home have been well trimmed.
• Check your property for any loose material and have them tied down.
• Any property not designed to operate in the open, including outdoor furniture should be stored in a safe place.
• Secure your shutters/stores and tape all windows adequately.
• Ensure that all your guttering and downpipes are free from any obstruction which might cause overflowing.
• Clear rubbish around the property to avoid any risk of water accumulation.
• Ensure that you have sufficient potable water, dry foods and alternative sources of power (torches,..).

DURING THE CYCLONE

• Disconnect all electrical appliances.
• Stay indoors and away from windows and glass doors.
• Do not take any initiative to exposing yourself and others to risk of injury.

AFTER THE CYCLONE

If you have suffered loss or damage:

• Take photos showing the extent of loss or damage and remove water, mud, silt from your premises.
• Advise us as soon as possible of the damage by calling us on 207 3444.
• Without delay, take necessary preliminary actions to avoid any further damage- e.g. temporary repairs.
• As far as possible do not discard the damaged property which will be inspected by surveyor.
• Do not switch on electrical appliances which are wet.

HOW TO SUBMIT A CLAIM

The claim form to be filled can be downloaded from our website:

https://www.swanforlife.com/en/useful-links/make-a-claim/claim-notification-non-motor-insurance

Please include your insurance policy number.

• Make a list of the damaged items; separate for buildings, contents, equipment.
• Submit all the pictures taken showing the extent of damage.
• Submit the estimated cost of repairs or replacement of damaged items supported by quotations from your suppliers or repairers.

Click here to download the precautionary measures and Claim Forms for Home Owners

VEHICLE OWNERS

BEFORE THE CYCLONE HITS:

• Ensure that your vehicle or fleet of vehicle is safely secured and locked to avoid any eventual loss or damages.
• Avoid keeping your vehicle in areas prone to flooding and/or water accumulation.
• Ensure that your current list of emergency phone numbers is updated.

 DURING THE CYCLONE:

• Avoid putting yourself or others in danger by undertaking any risky  initiative.

• Avoid using your vehicle during the cyclone as from warning class 3.

AFTER THE CYCLONE

If you have suffered loss or damage:

• Take the maximum photos showing the extent of loss or damage; but only if it is safe to access your vehicle or the fleet of vehicles.
• Advise us as soon as possible by calling us on 207 3444.
• As far as possible and practicable, kindly take necessary measures to minimize the loss.
• As soon as practicable, a motor surveyor will be sent to assess the extent and quantum of damage.
• Adequately secure any damaged spare parts pending arrival of surveyor.

HOW TO SUBMIT A CLAIM:

1. The claim form to be filled can be downloaded from our website:

https://www.swanforlife.com/en/useful-links/make-a-claim/claim-notification-motor-insurance while including your insurance policy number and vehicle number.

• Where applicable/useful, a copy of the statement given to the police – e.g. in case of burglary or theft.
• Submit all photos of the damaged vehicles.
• Submit an estimate of repairs of the vehicle.

Click here to download the precautionary measures and Claim Forms for Vehicle Owners

BUSINESS OWNERS 

BEFORE THE CYCLONE HITS

Activate your cyclone/flood emergency preparedness protocol as per the 3 “Ps”:

I)               PREPARE

• Ensure that your current list of emergency phone numbers is updated (nearest Fire Station, Ambulance, Key Staff contacts).
• Prepare a list of companies that can assist you for a prompt recovery in case of damage (Debris Removal, Computer Services, etc).

II)             PREPARE YOUR STAFFS

• Identify Key Staff and discuss the situation with them
• Provide a chain of command and allocate responsibilities to your staff

III)            PREPARE YOUR PREMISES / YOUR PROPERTY / YOUR DATA

• Check the condition of your property’s roof and repair any loose tiles/material.
• Clear rubbish around the property to avoid any risk of water accumulation.
• Ensure that all your guttering and downpipes are free from any obstruction which might cause overflowing.
• Ensure that your water drainage systems and infrastructure are in efficient working condition.
• Where any risk of flooding has been identified nearby doors, place sandbags or any equivalent material at the base on the exterior of the building.
• Secure all openings by closing shutters or heavily tape all windows.
• Trim overhanging branches and/or trees.
• Clear your property of any loose items that could blow about in high winds and/or  secure or bring inside a safe building any outdoor items not designed to operate in the open.
• Move or Cover with plastic any equipment / Stock exposed near openings.
• Ensure fleet of vehicles are kept in safe place  and away from areas prone to flooding.
• Back up data/critical documents and secure them safely (Financial or legal).

• Before leaving the premises, disconnect all Machinery and equipment which do not need to remain operational / turn off the mains supply for gas and water & Unplug all non-essential electrical current to the buildings at the main circuit boxes, leaving on only power for burglar, fire alarm and sprinkler alarm systems to operate. Please ensure that your stand-by generator set and any equipment pertaining thereto is in good operational condition.

AFTER THE CYCLONE:

If you have suffered loss or damage:

• Take the maximum photos showing the extent of loss or damage; but only if it is safe to access the building.
• Advise us as soon as possible by calling us on 207 3444.
• Without delay, take necessary preliminary actions to avoid any further damage- e.g. temporary repairs.
• As far as possible do not discard the damaged property which will be inspected by surveyor.
• Safeguard property not damaged please keep in mind that looting may occur.
• Ensure you and your employees follow every health and safety precaution such as wearing boots, rubber gloves, and other protective clothing; remove water, mud, silt from your premises; beware that live electrical power may be present and consider any risk of electrocution Hazard.
• If you need to dispose of perishable goods for sanitary reason, please liaise with the relative authority and take photographs of such goods before discarding same.
• Activate your disaster recovery/business continuity plan in order to minimize interruption time.
• Arrange for appropriate communication with your clients and customers.

HOW TO SUBMIT A CLAIM

The claim form to be filled can be downloaded from our website:

https://www.swanforlife.com/en/useful-links/make-a-claim/claim-notification-non-motor-insurance while including your insurance policy number

• Make a list of the damaged items; separate for buildings, contents, stocks and equipment insured under a separate cover (such as Electronic Equipment Policy, All Risks Policy).
  
• Submit all the pictures taken showing the extent of damage.
  
• Submit the estimated cost of repairs or replacement of assets and stock supported by quotations from your suppliers or repairers.

Click here to download the precautionary measures and Claim Forms for Business Owners