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Claims Support

When something goes wrong, we're with you

A policy is only as good as its claim. Moonstone manages the claims process on your behalf โ€” preparing it properly, dealing with the insurer, and pushing for a fast, fair settlement.

How It Works

The claims process, step by step

A clear path from the moment an incident happens to a settled claim.

  1. 01

    Notify us immediately

    Contact Moonstone as soon as an incident occurs. Early notification protects your claim and lets us guide you from the start.

  2. 02

    We review your policy

    Your advisor confirms exactly what your policy covers and what the insurer will require.

  3. 03

    Gather documentation

    We give you a clear checklist and help you collect every required document, report and piece of evidence.

  4. 04

    We submit & manage the claim

    Moonstone files the claim correctly and manages all communication with the insurer on your behalf.

  5. 05

    Assessment & negotiation

    We track the assessment, respond to queries, and challenge any unfair reduction or delay.

  6. 06

    Settlement

    Once agreed, we confirm the settlement, ensure you are paid, and close the claim properly.

Be Prepared

What you'll need for your claim

The documents typically required, and the expected turnaround, by claim type.

๐Ÿš—

Motor Claim

โฑ Typical turnaround: 7โ€“21 working days
  • Completed claim form
  • Valid driver's licence
  • Vehicle registration documents
  • Police report (for accidents or theft)
  • Photographs of the damage
  • Repair estimate or quotation
๐Ÿข

Property Claim

โฑ Typical turnaround: 14โ€“30 working days
  • Completed claim form
  • Proof of ownership or tenancy
  • Police or fire-service report where applicable
  • Photographs of the damage
  • Inventory of damaged or lost items
  • Repair or replacement quotations
โค๏ธ

Life / Health Claim

โฑ Typical turnaround: 14โ€“30 working days
  • Completed claim form
  • Policy document
  • Medical reports or hospital records
  • Death certificate (for life claims)
  • Valid ID of the claimant or beneficiary
  • Proof of relationship to the insured
๐Ÿ“‹

Liability Claim

โฑ Typical turnaround: 21โ€“45 working days
  • Completed claim form
  • Written details of the incident
  • Any third-party correspondence or demand
  • Witness statements where available
  • Photographs or supporting evidence
  • Relevant contracts or agreements

Document requirements and turnaround times are a general guide and may vary by insurer and the circumstances of each claim. Your Moonstone advisor will confirm exactly what is needed for your specific claim.

Questions

Claims โ€” frequently asked questions

What should I do first when an incident happens?
Contact Moonstone as soon as possible โ€” even before contacting the insurer. Prompt notification protects your claim, and we will guide you through every step from there.
How long does a claim usually take?
It depends on the claim type and complexity. Straightforward motor claims can settle within a few weeks, while property and liability claims take longer. We keep you updated throughout.
What if my claim is reduced or declined?
We review the insurer's decision, identify whether there are fair grounds to challenge it, and manage the appeal on your behalf where there is a valid case.
Can you help with a claim on a policy bought elsewhere?
Yes. We assist with claims management even where Moonstone did not arrange the original cover.
Will I have to deal with the insurer myself?
No. Once you have notified us, Moonstone manages communication with the insurer so you can focus on recovering from the incident.
Need to make a claim?

Don't face the insurer alone

Contact our claims team as early as possible. The sooner we are involved, the better we can protect your claim.

๐Ÿ“ž +233(0)593854493 Send a Message
Ready to protect what matters?

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