• Report of Damage Event:
  When you (insured party or on behalf of the insured) become aware of any event that could lead to a claim you must report the damage within 8 days of the incident on + 48 32 797 10 41 or by e-mail to szkodygap@defendinsurance.pl.
  In order to register a claim the claims adjuster will need to know the policy number or vehicle VIN code. For the prompt assessment of your claim we will need the following information: damage details (when and how the accident happened, the vehicle was used, whether the case was solved by the police, whether the damage was total, the name of the CASCO company and where the crashed vehicle is located)
  
• Documentation:
  The Insured must complete the Claim Form A and Form B and provide the following documents (as appropriate, in accordance with the instructions of the liquidator):
  - Copy of purchase receipt Vehicles (usually an invoice)
  - Copy of both sides Vehicle registration certificate, Part II. (Technical certificate)
  - A copy of the Financial Contract
  - A copy of the document proving the CASCO insurance of the Vehicle
  - Copy of the Report about the Reporting / Investigation of the Police Incident Event (*)
  - A copy of the Driver's, who drove the vegicle at the time of the event, Drive license
  - Adress of Vehicles storage location, including contacts (for eventual inspection of vehicles)
  

Please note that any concerns arising from contractual obligations between the vehicle vendor and the buyer are dealt with as a complaint to the dealer directly. If you are unsure whether to direct your concern to the dealer, feel free to contact us at + 48 32 797 10 41.

No repair shall be made to the insured vehicle without our explicit approval. All costs for any work that is commenced or completed prior to our approval shall be borne by the insured and automatically become grounds for rejecting the claim. In the event disassembly of any parts is required to determine whether the breakdown is a valid claim, this disassembly may be carried out only with our agreement. If it is discovered after disassembly that the claim is not covered, all expenses for disassembly of parts shall be borne by the Insured.

• Report of Damage Event:
  When you (insured party or on behalf of the insured) become aware of any damage that could lead to a claim you must report the damage immediately after the occurrence of the damage on + 48 32 797 10 41 .
  In order to register a claim the claims adjuster will need to know the policy number or vehicle VIN code.
  
• Inspection of the vehicle, authorized services:
  In order for us to assess your claim, you must allow us or our authorised repairer to inspect your vehicle. Alternatively, you may be authorised to take your vehicle to any VAT registered repairer.
  
• Docmentation:
  The Insured must then fill out the Claim Report Form and provide the following documents:
  - diagnostics statement (diagnostic protocol, mechanical failures then detailed description of defect from selected claims insurer)
  - preliminary budget for the cost of repairing a vehicle from your chosen repairer on the territory of Poland (repair costs - spare parts and hourly rate + material and parts + VAT)
  - photos: damaged part, VIN number, tachometer, vehicle view incl. Reg. number
  - in the case of a covered part of the engine, it will be necessary to document the service history of the vehicle from the date of its purchase (in particular proof of oil change in the engine, eg service book or invoice for replacing oil from repair, etc.)
  
  No vehicle repair may be performed without the express permission of the administrator. Only dismantle damaged parts due to fault diagnosis or if necessary because of damage. All other costs and work commenced prior to the approval by the administrator will be covered by the insured and are automatically the basis for rejecting claims.
  
• Assessment and payment of insurance benefits:
  After receiving all required documents, we will assess your claim. Once your claim has been approved, after the vehicle has been repaired, you will be required to email us an invoice for the repair of the vehicle, a photograph of the old and new parts (both parts in one photograph) and photographs of the new parts mounted on the vehicle.