If you're a third party solicitor enquiring about our insurance policy details and Portal ID:
- For Employers Liability (EL) and Public Liability (PL) claims occurring on or after 1st April 2020, our insurer is Zurich Municipal, policy number QLA O4U 022 0023 and the portal compensator ID C00108.
- For Employers Liability (EL) and Public Liability (PL) claims occurring on or after 1st April 2015, our insurer is QBE Insurance (Europe) Ltd., policy number Y103901QBE0116A and the portal compensator ID D00019
- For Employers Liability (EL) and Public Liability (PL) claims occurring before 1st April 2015, our insurer is Zurich Municipal, policy number QLA O4U 022 0013 and the portal compensator ID C00108.
Incident report form: guidance notes
It is important that you read these guidance notes before completing this form.
Please note that where ‘our’, ‘us ’and ‘we’ is used in the following text, this refers to ‘Wrexham County Borough Council‘.
1. When can an insurance claim be made against us?
To successfully claim compensation from us you will need to prove that we have been at fault in law. There is no automatic entitlement to compensation, and just because an incident has happened it does not necessarily mean we can be held to blame.
2. Other insurance cover
If you have home contents, buildings or motor insurance that would cover your loss/damage, we recommend that you make a claim on the appropriate policy first. This is because settlement will most likely be on a “new for old” basis and you will not need to prove that anyone is at fault for the loss, so it is likely that your claim will be dealt with more quickly. Your insurers may then seek to recover their costs from us if they feel we have been at fault.
A successful recovery by your insurers will mean that your premiums are unlikely to be affected.
3. What information must you provide when you submit this form?
The following information must be provided:
a. A clear summary of the facts relating to the incident including the time and date of the incident.
b. An indication of the nature and extent of your injury(ies) and/or details of any property damage.
c. Details of any financial loss suffered.
d. Sufficient other information to enable formal investigations to start, for example a plan of the incident location and/or photograph(s) clearly identifying the location.
e. Without this information the incident report form cannot be processed.
4. What happens once you have submitted this form?
a. We will investigate the allegations and prepare a report.
b. The report and this form will be sent to the companies who handle our claims. They will investigate the matter thoroughly and may contact you for further information. You must provide this information.
c. We will not discuss the matter directly with you. All correspondence must be through the companies handling your claim.
d. If you have any complaint as to how your claim has been handled then you should contact the company handling your claim.
5. Processing by claims handlers
a. The claims handlers will acknowledge their interest in the matter and if your claim involves personal injury, they will look to confirm their position within 40 working days in accordance with the pre-action protocol for low value claims between £1,000 - £25,000. If your claim involves no personal injury then they will look to deal with it within 90 working days.
b. If the claim is for damage to your property the claims handlers will require original receipts and/or replacement estimates and confirmation of the age of the items. Please be aware that any offer of settlement will not be on a new for old basis and as such will be adjusted for wear and tear.
c. As well as the information outlined above the claims handlers may also ask you to provide your full name, date of birth and National Insurance number, if not already supplied.
d. If your claim is for injury, medical evidence will need to be gathered. The claims handlers will forward a form for completion to allow them to approach your GP/hospital for a report. Please be aware that the amount of time it takes to receive the report can vary widely and is something over which they have no control other than to issue regular reminders. You can of course chase the GP/hospital yourself in this instance.
e. If the GP/hospital report is not sufficient to accurately assess the value of your injuries the claims handlers may have to appoint a consultant who will need to examine you to prepare a comprehensive report. This process can be lengthy and may take a number of months.
6. The final outcome
a. Once all of the evidence has been collated and assessed the claims handlers will make a decision based on our legal liability.
b. If it is concluded that there is no liability and the claims handlers are not paying your claim you will receive a letter detailing why. If you wish to discuss this further you need to contact the claims handlers.
c. If liability is accepted the claims handlers will make an offer of compensation, in writing, which they consider will accurately reflect an appropriate level of compensation in the circumstances.
We have a zero tolerance approach to fraud and we have a Counter Fraud Strategy.
Any claim that is found to have been fraudulently intimated or exaggerated, whether during the processing of the claim or subsequently, may be passed to the police and/or Crown Prosecution Service and may be subject to a criminal prosecution.
- You are entitled to seek independent legal advice at any stage during the processing of this form.
- The issue and acceptance of this form by us is entirely without prejudice to any liability on our behalf.
- Please do not use this form for any other purpose than to notify us of this incident.
Please return the completed incident report form to firstname.lastname@example.org. Alternatively, you can post the completed form to:
Finance & ICT Department
Wrexham, LL11 1AY