When you buy insurance from AIG, you can have confidence that we stand ready to help you recover quickly when the unexpected happens. The claims operation that underpins every AIG policy is one of our greatest strengths, with a strong local claims team backed by our global network of expertise to support you when you face a loss.
For claims associated with Charterer's Legal Liability, please reach out to your insurance broker to assist you. You may also contact us at:
Phone: +63 2 8 878 5460
Email: AIGPHLWeServeCRG@aig.com
The Insured must:
• Give immediate notice to the Company with full particulars of the loss. If possible, the Insured/claimant/consignee should provide copies of necessary claim documents, such as but not limited to Marine Cargo policy, bill of lading/AWB’s, commercial invoice, packing list, delivery receipt/s, demand letter against the bailees, photographs of the damaged items and other pertinent documents;
• At the time of delivery, inspect the cargo and note any damages or shortages on the delivery receipt;
• Take all the necessary and practical steps to minimize the loss;
• Immediately notify the bailees, i.e. airline or shipping company, arrastre operator, & customs broker, invite them to survey the damages and promptly file formal claims against them.
• Do not dispose the damaged cargoes without the insurer’s notice.
• If the loss or damage needs further investigation, an independent surveyor will be assigned by the claims handler or if the insured has a nominated surveyor, he/she can directly assign the same to them provided that the said surveyor is accredited to the Company.
• Cooperate with the authorized representative of the Company in the conduct of investigation and strictly adhere to the terms and conditions of the Insurance Policy.
Documents to be submitted:
• If the claim amount falls below US$2,500.00 and do not present a fraud issues, below are the required documents, to wit;
- Bill of lading, rail waybill, air waybill, truck waybill, warehouse receipt or other document of transportation;
- Invoice, valued inventory or other indication of value;
- Packing list to establish quantity of goods, if not contained within the invoice;
- Delivery receipt with exceptions;
- Survey report, warehouse receiving record, credit memo, claim statement or other indication that a loss has occurred.
• Claim amount falls above US$2,500.00, below are the required documents, to wit;
- Original copy of Marine Certificate;
- Original copy of commercial invoice & packing list;
- Original or duplicate copy of air waybill or bill of lading;
- Original or duplicate copy/ies of Customs Broker’s delivery receipt noting exceptions;
- Copy of equipment interchange report;
- Duplicate copy of warehouse receiving report;
- Detailed claim statement
- Duly receipted copies of demand letters against the bailees namely the shipping or airline, arrastre operator, and customs broker and their replies, if any;
- Copy of import entry & internal revenue declaration;
- Original or duplicate copy of Turn Over Survey of Bad Order Cargo & Request for Survey of Bad Order Cargo.
Points to consider:
• Marine policy is a valued policy hence, limit of liability is limited only to the amount declared/agreed under the policy.
How claim is settled?
• Upon submission of the complete claim documents, final evaluation is rendered and settlement offer is presented to the insured.
• If the Insured accepted/conforms with the amount in the settlement offer, the issuance of settlement check is within three (3) working days for claims below US$2,500.00 & five (5) to seven (7) working days for claims above US$2,500.00.
