Claims

Claims

Our Claims Service for individual and corporate clients 

Claims handling is the moment of truth in your customer relationship. Our experienced claims team will handle your claim effectively and efficiently.

When a corporation has sustained a loss, being able to continue vital business activies is often crucial. Through effective and proficient claims handling we will make sure that the impact of the incurred loss to your business will be minimized and that you will be able to continue business as usual.

 

How to notify a claim online?

Choose the Online Claim Notification of your preferred language below.

Claim notification online
Vahinkoilmoitus verkossa
Skadeanmälan på nätet

How to notify a claim by post?

Loss notification forms and additional information about how to make a claim can be found below.

Individual clients can obtain a loss form also from our Customer Service. Please note however, that claims handling can't be done over the phone. loss notification must always be sent to us in writing. Instructions on how to fill in the Loss form and which attachments are needed can be found in the loss notification forms.

Please send the signed loss form with attachments to:

When mailed in Finland (without postal fee)

AIG Europe S.A. sivuliike
Tunnus 5008951
00003 VASTAUSLÄHETYS

When mailed abroad

AIG Europe S.A. Finland Branch
Kasarmikatu 44
FI-00130 HELSINKI
FINLAND

We will contact you when we have received your loss notification. In case additional information is required, we will request this information in writing. Claim decision will be sent to you by mail or email.

Individual losses

In case of emergency while travelling abroad, please contact our Emergency Assistance Service.

Please note that an insurance card is not a credit card. Invoices cannot be sent directly to AIG Finland without prior consent. In case of minor costs, the insured must first meet these costs themself before subsequently applying for indemnity from AIG Finland. For medical treatment expenses incurred in Finland, the insured should apply for compensation under the Finnish Health Insurance Act. Such compensation can be applied for when paying the incurred expenses at the medical center.

Travel Insurances

Please use this form if you wish to make a loss notification related to following travel insurances:

  • Business Travel Insurance
  • Credit Card Travel Insurance
  • Travel Guard Individual Travel Insurance
  • Travel insurance purchased through an airline or a travel agency
  • Travel insurance taken by union or community 

Accident & Health Insurances

Please use this form if you wish to make a loss notification related to Accident & Health Insurance

  • taken by employer, union or community
  • your personal insurance

Group Accident Insurance for the residents of a housing company

Please use this form if you wish to make a claim related to Group Accident Insurance taken out by a housing company.

Price Guard Insurance

Please use this form if you wish to make a claim related to Price Guard Insurance associated with credit card purchase.

Product Safety Insurance

Please use this form if you wish to make a claim related to Product Safety Insurance associated with credit card purchase.

If you wish to make a loss notification related to Expatriate Care, please use our online Expatriate Care Service or call +32 2 739 99 11.

Please use this form if you wish to make a claim related to Home Insurance.

Corporate losses

In case of marine loss or damage

  1. Inspect the goods immediately upon receipt. Should there be visible damage or suspicion of such, please mark notification on the delivery note. If the damage is found later on, send a written reclamation to the carrier immediately.
  2. Please contact the nearest AIG office immediately. You will find the nearest AIG office on www.aig.com/marinedirectory.  Do not forward the damaged item before AIG is involved.
  3. Minimize the loss or damage. Care must be taken of the damaged cargo.
  4. Do not change the condition of the consignment nor the packing before a surveyor is present.

Please fill in the Cargo claim notification form and send it to AIG. Claims can also be reported over the phone to +358 207 010 100 or via e-mail to finlandclaims@aig.com

 Documents needed in claims handling

  1. Bill of lading and/or other contract of carriage
  2. Commercial invoice
  3. Reclamation made to the carrier
  4. Correspondence changed with the carriers and/or other parties regarding the liability for the loss or damage
  5. Survey report, if available and pictures of the loss
  6. Receipts and invoices regarding the repair costs
  7. Shipping invoices, packing list etc.

In case of Liability loss or damage

  1. Minimize the loss or damage immediately upon noticing the damage.
  2. The insured should not make an admission of liability or take any action which may be construed as an admission of liability without a prior written consent of AIG Finland.
  3. Please notify the loss immediately to AIG Finland by filling a loss notification form and sending it to AIG. Claims can also be reported over the phone to +358 207 010 100 or via e-mail to finlandclaims@aig.com
  4. When notifying the claim, please enclose any and all documentation necessary to establish the legal liability of the insured. If needed, AIG Finland will request additional information.
  5. AIG Finland will handle the claim and make a decision of coverage regarding the loss. The claimant will be notified in writing.
  6. PIER Europe – AIG’s unmatched pollution incident and environmental response network delivering reliable and specialised support when businesses need it most, contact +44 (0)1273 400965, hotline available 24/7. Additional information about PIER Europe.

 

In case of property loss or damage

  1. Minimize the loss or damage immediately upon noticing the damage.
  2. Please notify the loss immediately to AIG Finland. Claims can also be reported over the phone to +358 207 010 100 or via e-mail to finlandclaims@aig.com. After office hours, any acute loss has to be notified to Crawford & Co, who will send a representative to the loss scene if needed (Tel.  +358 9 2513 7530, 24 h). Crawford & Co will act as AIG Finland’s representative and assists in preventing any further loss or damage (including contacts to post-loss prevention companies).
  3. The loss or damage has to be notified to the police, if there is reason to believe that a crime has been committed.
  4. The claimant should submit an itemized claim to the insurance company. The use of a claim notification form is recommended.
  5. Copies of invoices and other documents (e.g. police reports, humidity survey reports, and security firm reports) regarding the loss should be attached to the claim notification as soon as available.
  6. AIG Finland will handle the claim and make a written decision of coverage, which will be sent to the claimant.

In case of Directors and Officers Liability loss

  1. Please notify the loss immediately to AIG Finland. Claims can also be reported over the phone to +358 207 010 100 or via e-mail to finlandclaims@aig.com.
  2. The Insured should not make an admission of liability or take any action which may be construed as an admission of liability without a prior written consent of AIG Finland. In addition, the insured should take all the actions needed to reserve the right for recovery.
  3. When notifying the claim, please enclose any and all documentation necessary to establish the legal liability of the insured. If needed, AIG Finland will request additional information.

In case of other corporate loss

In case you wish to report a loss related to any other corporate insurance than those mentioned above, please contact our claims department directly by email finlandclaims@aig.com or by phone +358 207 010 100.