The process begins when you notify Codino Insurance of an insured event through our online claim form or other approved reporting channels. Providing complete and accurate information at this stage helps us begin the assessment process without unnecessary delays.
Once your notification is received, your claim is registered within our claims management system and assigned a unique claim reference number. A Claims Officer is assigned to oversee your claim and act as your primary point of contact throughout the assessment.
Our Claims Team reviews the information provided to confirm receipt of the notification and identify any additional documentation or clarification that may be required. If further information is needed, we will contact you as soon as possible.
The claim is assessed using the policy wording, supporting evidence, incident details, applicable underwriting information, and any specialist reports where required. Depending on the nature of the claim, this stage may include inspections, independent assessments, expert opinions, or discussions with relevant parties.
Once the assessment is complete, a decision is made based on the policy terms, conditions, exclusions, limits, and the information available. The outcome and supporting explanation are communicated to the policyholder.
Where a claim is accepted, the appropriate settlement or agreed resolution is arranged in accordance with the applicable policy or bond. Where additional actions are required before settlement, our Claims Team will explain the next steps.
Simple claims may be resolved more quickly than claims requiring specialist assessment or extensive supporting documentation.
Providing complete and accurate information at the beginning of the process helps minimise avoidable delays.
Our Claims Team provides updates throughout the assessment process and will advise if further information is required.
Every claim is assessed individually based on its own facts and circumstances.
Our Claims Team applies the relevant policy wording, underwriting information, supporting documentation, and applicable legal or regulatory requirements when reviewing each claim.
This approach helps ensure consistency, fairness, and transparency throughout the claims process.
Our Claims Team assesses claims relating to:
A clear claims process helps provide confidence when you need it most. From claim notification through assessment and resolution, our Claims Team is committed to delivering professional service, transparent communication, and fair claim handling.