5. Motor Theft and fire claims

• Claims process is similar to that of total loss
• However, for theft and fire, an investigator or a technical assessor is engaged for fire cases
• Settlement is based on based on sum insured or pre-accident/pre-theft value depending on policy terms
• Theft excess applies for stolen motor vehicles normally at 20% and 10% depending if the vehicle has security features.
• Excess protector does not apply for theft cases unless endorsed in the policy to extend for partial theft