In short term insurance, due to the very nature thereof, the onus of proving a loss will be on the insured party legally. It is understandable that some proof of loss must be presented to the insurance company when instituting a claim. This is necessary to prevent fraudulent claims by unscrupulous fraudsters that could cripple the short-term insurance industry.

When claiming against your car insurance policy you need to proof loss by first of all proving ownership of the car. You can do this by presenting your car registration papers which the insurance company can confirm with the authorities on the ENatis system.

Your car insurance company will also require details of the loss or accident having been reported to the South African Police Services within 24 hours after the incident. This will act as further proof of your loss. With car insurance claims where accidents are involved it is also important to obtain the details of any witnesses to the accident.

An insurance assessor will be appointed by the car insurance company to inspect the validity of the car insurance claim. Proving a loss is an integral part of any car insurance claim and having your documents in order and available will help to speed up the claim.