Find the answers to all your questions about accident cover you have while using Glovo

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1. What do I do after an accident?

If you have been injured in an accident, the most important priority is getting medical attention. Assuming the injured is not taken to the emergency room immediately, it is advisable to take photos and videos of the scene of the accident and get contacts of witnesses, if any. Thereafter, you need to notify the incident through the claim form on GlovoApp.

2. How do I make a claim?

You need to fill out a Claim Form and submit the completed form together with the documents that are relevant to the nature of your claim for processing by the insurance company.

3. How long can I take to file a personal injury claim?

All documents should be forwarded within (6) six months of accident of the injury or from the me the claimant has been discharged from hospital.

4. How do I make up a claim for my lost earnings?

The lost earnings can be claimed from the insurance company by providing the sick off sheets from the treating doctor to support the lost earnings claim.

6. Are original medical bills/invoices required to support my claim for medical expenses reimbursement?

Claims for medical expenses must always be supported with original bills/invoices if they are above Kshs.144,400. One will only need to submit photocopies of the hospital bills if it's less than Kshs.144,400. But we recommend the original medical bill to be submitted nevertheless.

7. If I pay my medical expenses, in whose name will the insurance make settlement?

The insurance company will make the settlement in the name of the injured once s/he has duly filled the discharge voucher with his/her bank details.

8. How do I get the detailed statement of the injured person on the incident?

The injured should write the statement of the accident stating the date of the accident, nature of injuries and what transpired. It is also important to mention where the rider was coming from and heading to, also stating the name of the road or place where the accident occurred.

9. How is a death benefit paid under a Personal Accident insurance policy?

The death benefit is paid to the beneficiary nominated by the policy owner provided s/he is above 18 years of age. In the case where no beneficiary is nominated, the death benefit will be paid to the legal representative of the deceased’s estate or alternative as provided by the law. It is advisable for the beneficiary to submit a Leers of Administration to enable the insurance company to write a leer to your bank authorising keen of the deceased to access the funds.Leers of Administration. It is essentially a grant of administration by law allowing a named individual to administer the estate (When a person dies, all their personal assets, including property, bank accounts, investments and personal belongings in their sole name collectively form part of their estate).Leers of Administration are issued to the persons (or their guardians if they are minors) if the deceased died without a Will, or if he did, he did not name an executor as such for whatever reason. The Leers of administration are granted by the Chief or Sub-Chief of the location the deceased came from to permit and authorize the administrator to deal with the management and distribution of a deceased person’s property.

10. Does the insurance pay for the cost of the medical report?

No. It is for the claimant to prove his claim with reasonable evidence and at his or her own expense.

11. How soon should a claim be notified?

Some policies may state a specific period to notify of a claim, but the policy requires that a claim should be reported as soon as possible after the happening of any event which may give rise to a claim.

12.Does the insurance recognize traditional treatment?

These treatments will not be recognized unless the medical receipts are provided

13. Where do I get a police abstract report in case of an accident?

The accident should be reported to the nearest police station within the area where the accident occurred and the police will provide the police abstract report

14 . Why do I need the Contract of the injured?

To show that the injured is a courier using GlovoApp

15. Why do you need Glovo’s report showing the rider was on duty?

To prove that the injured was actually connected to GlovoApp at the time of the accident.

16. Is the medical report and discharge summary mandatory?

For minor injuries, the medical report is not mandatory. However, if the injured is not hospitalised and or admitted, then the discharge summary is not very necessary.

17. Why do you need a copy of the national ID card?

This is for identification purposes.

18. Who has to certify the documents?

The claim form should be certified by Glovoapp Kenya Ltd while the Britam Medical Cerficate (to be filled by a qualified medical practitioner) and certified by the same in case there is a Permanent Disability given.

19. Who do I contact in the case of any assistance in regards to the claim?

You can contact: Mr. Rickens Libese of Chester Insurance Brokers Ltd on 0721-226033 or Mr. Harrison of Chester Insurance Brokers Ltd on 0721-672459 or Mr. Dishon on 0725-224034 for assistance or more details on claims related matters.

20. Where should I submit the Claim Documentation?

The claim documents should be submitted to Chester Insurance Brokers Ltd, 3rd Floor, Sclaters House, Parklands Road opp Mayfair Casino. The soft copies of the claim documents can be emailed to claims@chester-insurance.com for claim processing.

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Chester Insurance Brokers Ltd.
3rd Floor, Sclaters House .Parklands Road
Nairobi