INCIDENT REPORTING ESSENTIAL
TO PREPARING FOR CLAIMS

Making sure incidents are reported in a timely and accurate manner are important in getting a claim processed quickly. Incident reporting starts by knowing and documenting who is in your school / club at any one time. This means accurate attendance records, observations of students’ pre-existing injuries, other sports they play etc.

There are cases where a student has injured themselves in another sport (football for example) and made a claim against another gym / club because they thought it was easier to obtain compensation. Of course these are fraudulent claims, but operators need to be aware of them and can be captured in the appropriate reporting to minimise such issues.

You can minimize the chance of a false / fraudulent claim against you by having cameras running during classes. Asking students before class if they have any injuries or not feeling well so you can document this. Likewise, after a class you can ask them in a motivational way, how the class was and how people felt. If no one said they were hurt, then nothing happened in your class that result in a potential claim. This forms a ‘set procedure’ in your club which gives each student the opportunity to record if they were injured, irrespective of how mild it may feel at the time. This means at a future day when someone says they were injured in your class, you can challenge it with solid evidence of the incident.

Where is the best place to buy insurance?
There are so many online portals where you punch in a few details and out pops a price for the product. Somewhere within the website you will be able to access the policy wording, product disclosure statement (PDS) and the financial services guide (FSG). These documents should give you a bit of an understanding of how the company operates and tells you about the product you have just bought. This information is a general description of the product and most people assume if it says it covers something, then it does. They don’t ask in what areas or how you can access it to make a claim.

In the insurance world, you have to be specific and ask certain questions to find out what you are really cover for. This means you first need to know something about the product, so you know what to ask. If you want to ask questions through the site, it is mainly done through ‘online chat’ and access by phone when you will find it’s normally a salesperson. This is the way the world is going so if you have the chance to go through a broker, you may find this a better experience..

Using a personal broker verses and online portal -
Personal brokers not only play an important role in finding you the right product for your needs, they also go that extra mile in the event you need to make a claim. They guide you through the application, continuously monitor the process and make sure injured members receive support to the limit of the policy. They also understand the insurance market and can personally discuss other options across a range of products.

Choose a broker over an online portal. GET A QUOTE TODAY!