Claims

As a Bahamas First policyholder you are provided with the benefit services of First Response. In the event you are involved in a motor accident between the hours of 8 a.m. and 12 midnight, you should call 32-FIRST (323-4778). At the scene we expedite the claims process and render any accident assistance.

If First Response did not attend the scene of the accident the following are the steps you will need to take.

1. Submit a Motor Claim Form along with a colored copy of your photo.
2. Have your vehicle inspected by our Motor Engineering Department. If the vehicle is immobile you may schedule an appointment for a motor engineer to carry out an off-site inspection.
3. Submit a copy of the Police Report, if applicable

A member of our claims department is available to advise you throughout the process.

Bahamas First Private Motor comprehensive coverage policy allows two claims per policy period related to the replacement of any glass in the windscreen or window of the vehicle, to a maximum of $750.00 per claim and $1,000.00 per claim for Commercial Motor policyholders.

The steps below will assist you with submitting your claim:

1. Submit the Windscreen claim form along with a colored copy of your photo.
2. Submit photos of the damage.
3. Submit a copy of the Police Report, if applicable.

As a comprehensive policyholder in the event that your vehicle is stolen please follow the steps below:

1. Submit Motor Vehicle Theft Report Form along with a colored copy of your photo ID.
2. Submit all keys to the vehicle.
3. Submit original Certificate of Insurance.
4. Report the matter to the Police and submit a Police Report when one becomes available.

Once the incident has been reported to the claims department along with the necessary documents an external adjuster or investigator will be assigned to the claim. This investigative process can take about 4 weeks depending on if the vehicle is recovered.

In the event your vehicle is damaged by fire as a comprehensive motor policyholder you can follow the following steps to submit a claim:

1. Submit a Motor Claim Form along with a colored copy of your photo ID.
2. Report the matter to the Police and submit a Police Report when one becomes available.
3. Submit original certificate of Insurance

After the required submissions an external adjuster or investigator will be assigned to the claim that usually takes about 4 weeks to settle.

As a homeowner there is the possibility that you may experience a damage or loss to your property or contents. In the event of such an occurrence the following steps should be taken when reporting a claim:

1. Review your policy to confirm coverage.
2. Submit a Property Claim Form.

To expedite the process it is suggested to submit the following:

1. Receipts for each damaged or stolen item.Two estimates for the replacement
2. of each damaged or stolen item.
3. If items were damaged or stolen due to burglary or theft, report the matter to the Police and submit a Police Report when one becomes available.

An external adjuster may be assigned to the claim.

About six months out of the year we are exposed to the possibility of a hurricane occurring. Preparation is the necessity for your survival and for the protection of your property. However, in the event of a Hurricane loss, you should:

1. Review your homeowner’s policy documents to confirm that your property is covered for Hurricane losses.
2. Submit Hurricane Claim Form
3. Secure your property from further losses.

Thereafter, all documents will be forward to Bahamas First’s Hurricane Centre for processing. The Hurricane Centre will appoint an external adjuster to confirm damage to your property, review estimates for such repairs, and with authorization for Bahamas First discuss settlement with you. In, addition if you have estimates and photographs of damages you can submit those to assist with the process.

1. Contact your agent to ensure your coverage includes catastrophe perils
2. Ensure that the sum insured is adequate and reflects the replacement value of the building and contents as there are penalties for underinsurance
3. Ensure that your home and belongings are adequately protected.

Remember, hurricane preparedness, and knowing how to respond is key to helping you cope during and after a catastrophe occurs.

As a business owner, there is always a possibility that loss or damage due to fire, burglary, theft, water damage or even natural disasters could affect your daily operations and profitability.

In the event of such losses follow the steps below:

1. Submit an Incident Report Form to your agent or to our office.
2. Submit Police Report, if applicable.

Thereafter, these relevant documents are submitted an external adjuster will be assigned to your claim to further investigate the loss. In addition an arranged inspection of the property will be carried out to confirm the nature of the loss.

In the event you experience a loss or damage to your private vessel please submit the following:

1. Marine Claim Form to your agent or to our office.
2. Police Report, if applicable.
3. Submit pictures of the damaged vessel, if applicable.

Once you have submitted the claim an external adjustor or private investigator will be assigned to the matter and an inspection of the vessel will be carried out.