Our Claims Process

SBS Insurance Services understands that when the worst happens, you require speed, efficiency and professionalism - without fuss or inconvenience...

The Claims Process
Your insurer or loss adjuster will pass details of your claim to an experienced claims handler; your claims handler will ask you certain questions to confirm how the theft or accident occurred and what the extent of the damage is. You will also be asked to provide details of the manufacturer, the model, specification and details as to when the item claimed was purchased. In certain circumstances, receipts and more detail may be required; your claims handler will advise you if this is necessary, at the time they call you to discuss your claim.

Items that may be repaired will be inspected, for smaller items this will involve a collection and delivery to a bench engineer, larger items will be inspected by a field engineer. The report from this inspection assists our claims handler in making a decision to repair or replace the item. Repairs carry a full 12 months guarantee on the work carried out.

Replacement Items
If the damaged item cannot be repaired then a replacement will be offered. Your insurer normally asks us to replace on a "like for like basis", this means we will look to replace your item/s with a similar brand, quality and specification and/or the closest equivalent. Most electrical items have a short lifecycle in sales and your claims handler will be able to advise you of the equivalent model. When we make an offer of Replacement we recommend that you view the suggested item on the web or at a local retailer. Once you are satisfied with the Replacement offered; we will ask you to pay any excess and/or upgrade monies prior to delivery.

Additional Service (Charges Apply)
Where appropriate you may be offered the opportunity to upgrade the equipment for a better model or purchase additional items. Where a computer product is un-repairable we may be able to recover images or data and write them to disk. Installation is available for all products supplied. Warranty is available beyond the manufacturer's standard period. Please ask your claims handler for full details.