What can we help you find?
Make a claim
We’re here when it matters. Tell us what happened within 7 days and our claims team will guide you through every step.
+248 4280 441
Claims line, Monday to Friday 08:00–15:30
claims@hsi.sc
Email your claim and documents
Report within 7 days
Life claims: tell us within 24 hours
Start here
What is your claim about?
Choose your type of claim to see the documents you need, what to do and the claim form to download.
Personal claim
Motor accident claim
An accident, theft or damage involving your car or other vehicle.
Documents needed
- Valid driving licence of the driver at the time of the accident
- Valid insurance disc and road fund licence
- Copy of the quotation for the cost of repairs to your vehicle
- Police statement or police report
- Details of the other parties involved in the accident
If it was a hire car
- The hire contract
- Copy of the self-drive disc
After an accident
- Inform the Police: 999 or +248 4288 000. For a fire, inform the Seychelles Fire and Rescue Services Agency: +248 4289 999 or +248 4323 242.
- Take details of the other party involved in the accident.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Personal claim
Injury claim
Personal accident and injury claims.
Documents needed
- Statement from the witness and the injured person
- Medical documents (report, sick leave certificate)
- In case of death: post-mortem report, death certificate and birth certificates of heirs
- Completed claim form
After an incident
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Personal claim
Householders claim
Loss or damage to your home or contents, including theft and fire.
Documents needed
- A detailed statement of the incident
- Quotation for the cost of repairs or replacement
- Electrical engineer’s report (for damage to electrical appliances)
- Photographs of the damaged property, taken just after the incident
- Completed claim form
After a theft
- Inform the Police: 999 or +248 4288 000.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
After a fire
- Inform the Police: 999 or +248 4288 000.
- Inform the Seychelles Fire and Rescue Services Agency: +248 4289 999 or +248 4323 242.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Anything else
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Personal claim
Life claim
Death and total permanent disability (TPD) claims on life policies.
Death claim
- Original copy of the policy document
- Death certificate
- Cause of death report
- ID of the policyholder and the beneficiaries
- For mortgage claims: an official letter from the bank and the loan statement
Total permanent disability claim
- Original copy of the policy document
- Medical report from the Medical Board confirming the cause of TPD
- Policyholder’s ID
- For mortgage claims: an official letter from the bank and the loan statement
What happens
- For individual life policies, the beneficiaries or next of kin should notify the Life Department within 24 hours: +248 4304 480 or life@hsi.sc.
- Provide all the supporting documents.
- Documents are submitted to the HSI Claims Committee for evaluation and approval. Payment will be made within 48 hours.
Marine claim
Marine hull claim
Loss or damage to your boat or vessel.
Documents needed
- A detailed statement of the incident
- Quotations for the cost of repairs or replacement
- Photos of the damaged property, taken just after the incident
- Completed claim form
After a theft
- Inform the Police: 999 or +248 4288 000.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
After an accident
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Marine claim
Marine cargo claim
Loss or damage to goods you ship or import.
Documents needed
- A detailed statement of the incident
- Invoices or receipts, bill of lading and shipping documents
- Photographs of the damaged property, taken just after the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Business claim
Fire, multi peril and assets all risk claim
Fire Industrial, Multi Peril and Assets All Risk policies.
Documents needed
- A detailed statement of the incident
- Quotation for the cost of repairs or replacement
- Invoices or receipts
- Photographs of the damaged property, taken just after the incident
- Completed claim form
After a theft
- Inform the Police: 999 or +248 4288 000.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
After a fire
- Inform the Seychelles Fire and Rescue Services Agency: +248 4289 999 or +248 4323 242.
- Inform the Police: 999 or +248 4288 000.
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Claim form
Fill it in and send it to us with your documents.
Business claim
Contractors all risks claim
Loss or damage to construction works, materials and equipment on site.
Documents needed
- A detailed statement of the incident
- Quotation for the cost of repairs or replacement
- Invoices or receipts
- Photographs of the damaged property, taken just after the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Business claim
Public liability claim
Claims made against your business by members of the public.
Documents needed
- A detailed statement of the incident
- Details of the other party involved
- Quotation for the cost of repairs or replacement
- Photographs of the damaged property, taken just after the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Business claim
Machinery breakdown claim
Sudden breakdown of insured machinery and equipment.
Documents needed
- A detailed statement of the incident or findings
- Quotation for the cost of repairs or replacement
- Photographs of the damaged property, taken just after the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Business claim
Deterioration of stock claim
Spoiled stock after a refrigeration breakdown.
Documents needed
- A detailed statement of the incident or findings
- Invoices or receipts
- Temperature readings log of the container or cold room
- Photographs of the damaged property, taken just after the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
Business claim
Fidelity guarantee claim
Loss caused by fraud or dishonesty of an employee.
Documents needed
- A detailed statement or report of the incident or findings
- Details of the persons involved and the posts they hold
- Details of the measures or action taken against the employee
- Any other documents related to the incident
- Completed claim form
What to do
- Report it to our offices within 7 days: call +248 4280 441 during working hours or email claims@hsi.sc.
How it works
Four steps to settle your claim
1
Make it safe
Make sure everyone is safe. Call the police or fire service if needed, and take photos of the damage.
2
Tell us within 7 days
Call +248 4280 441 or email claims@hsi.sc. For life claims, tell the Life Department within 24 hours.
3
Send your form and documents
Complete the claim form for your claim type and send it with the documents listed.
4
We assess and settle
Your claim is processed once we have all the required documents. We keep you updated along the way.
Had an accident?
Emergency and breakdown numbers
Make sure everyone is safe first. Comprehensive motor policyholders can call a breakdown service of their choice.
Downloads
All claim forms
Already know which form you need? Download it here. Not sure? Call the claims team on +248 4280 441.
- PDFMotor Vehicle Claim Form
- PDFInjury Claim Form
- PDFHouseholders Claim Form
- DOCXHSI Life Claim Form
- PDFMarine Hull Claim Form
- PDFMarine Cargo Claim Form
- PDFFire Industrial, Multi Peril/Assets All Risk Claim Form
- PDFContractors All Risk Claim Form
- PDFPublic Liability Claim Form
- PDFMachinery Breakdown Claim Form
- PDFDeterioration Of Stock Claim Form
- PDFFidelity Guarantee Claim Form
- PDFTravel (OracleMed) medical and repatriation claim form
FAQs
Claims questions
Answers to the questions we’re asked most about motor claims.
Still have a question?
Our team is happy to help, Monday to Friday, 08:00–15:30.
Do I need to report an accident to my insurer if my vehicle is on a Third Party Cover?
Yes. Report the accident to your insurer within 7 days, particularly if you are accepting liability for the accident. If the policy owner does not accept responsibility for an accident, a claim cannot be processed under their policy.
Can I use a personal garage for vehicle repair?
Yes, you may submit estimates from your chosen repairer. However, an Independent Motor Assessor reviews all quotations. HSI reserves the right to get extra estimates from other authorised repairers to check costs are accurate and comply with the policy terms.
Can I claim loss of use under my Motor policy after an accident?
Yes, but only if your car has comprehensive cover. Loss of use cover gives you a replacement vehicle while your vehicle is being repaired. The loss of use limit is based on the sum agreed when your policy starts.
Will excess apply on my claim?
Excess applies only to certain types of insurance. It is a pre-agreed amount that you pay us when you make a claim, or that we deduct from your claim amount, depending on the type of policy.
How much will my excess be?
The exact amount is agreed when your policy starts. For Motor insurance, excess applies only under comprehensive policies when you claim under your own policy. The amount varies depending on the type of insurance.
Who can make a claim?
Only the policy owner can make a claim. Your agent or broker can also make a claim on your behalf. The claim must be reported and all requested documents submitted before HSI can process it.
How will my claim be processed?
We process claims only once you have submitted all the required documents. The documents you need depend on the type of insurance.
How long will it take to complete my claim?
If the claim is valid and all documents are in order, we will finalise your claim in an efficient and timely manner.