Make a claim
How to make a Takaful claim with Kalkaal: tell us as soon as possible, send your documents, then follow your claim through assessment and settlement.
We are sorry that you need to make a claim. This page explains what to do and what happens next. If you are unsure about any step, a Kalkaal advisor can guide you.
1. Tell us as soon as possible
Contact us by phone, WhatsApp or at our office as soon as you can after the event. Have your policy number or Member ID card number ready, with a short description of what happened, when and where.
- If something has been stolen, or an accident involves other people or their property, report it to the police as well and keep any reference they give you.
- Take photographs of the damage and the scene, where it is safe to do so.
- Do not admit liability, or agree to pay anyone, before you have spoken to us.
- Take reasonable steps to prevent further loss or damage.
2. Send your documents
The documents we need depend on your cover. They are listed by product further down this page. Send us copies first and keep the originals safe: we will ask for them if they are needed. If a document is not available, tell us and we will explain what else may help.
3. Assessment
We review your claim against the terms of your cover. For some claims, Kalkaal may appoint an assessor or loss adjuster to inspect the damage or look into the circumstances. We may also ask you for more information. We will keep you informed as your claim progresses.
4. Settlement
Eligible claims are paid from the participants' risk fund under the terms of your policy, after any deductible that applies.
If a claim is not payable, in full or in part, we will explain why in writing. We will also tell you how to ask for a review of the decision or how to make a complaint.
Documents by type of cover
- Make sure everyone is safe and get medical help for anyone injured.
- Report any theft, and any accident involving injury or another party, to the police.
- Take photographs and note the other party's details. Do not admit liability or agree to pay anyone.
- Do not start repairs until Kalkaal agrees, apart from work needed to make the vehicle safe.
- Notify Kalkaal within the period stated in your schedule, and send on any letters or court papers you receive.
- Completed claim form
- Police report for any theft, and for accidents involving injury or another party
- Driving licence of the person driving at the time
- Vehicle registration certificate (logbook)
- Photographs of the damage and of the accident scene
- Repair estimate or invoice, when requested
- Details of any other party involved, and any claim letters you receive
- Show your Member ID card whenever you attend a medical facility.
- Keep every invoice, receipt, prescription and medical report.
- Ask the treating doctor to complete their part of the claim form.
- Where your schedule allows you to pay first and claim back, send the claim form with the original receipts and reports to Kalkaal within the period stated in your schedule.
- The patient's Member ID card number
- Completed claim form, including the treating doctor's section
- Original itemised invoices and receipts
- Prescriptions and medical reports
- Laboratory and imaging results, where tests were done
- Discharge summary, for inpatient treatment
- Referral letter, where your schedule requires one
- Keep the damaged goods and their packing for inspection. Do not dispose of them.
- Note any damage or shortage on the delivery receipt before you sign it, and ask for a joint survey.
- Write to the carrier, port or warehouse holding them responsible, within the time their contract allows.
- Take reasonable steps to prevent further loss.
- Notify Kalkaal within the period stated in your schedule.
- Completed claim form
- Commercial invoice and packing list
- Original bill of lading or air waybill
- Survey report, where a surveyor is appointed
- Delivery receipt or outturn report noting the damage or shortage
- Your letter holding the carrier, port or warehouse responsible
- Photographs of the damaged goods and their packing
- Make the property safe and take reasonable steps to protect it from further loss or damage.
- Report burglary, theft or malicious damage to the police straight away.
- Keep damaged items for inspection. Do not throw them away or start permanent repairs until Kalkaal agrees.
- Photograph the damage and list everything affected.
- Notify Kalkaal within the period stated in your schedule.
- Completed claim form
- Police report for burglary, theft or malicious damage
- Fire brigade report, for fire claims, where available
- Photographs of the damage and a list of damaged or stolen items
- Purchase invoices, receipts or the asset register showing ownership and value
- Repair or replacement estimates
- Accounts and records supporting a business interruption claim
- Report an overdue account to Kalkaal within the period stated in your schedule, even if you still expect payment.
- Stop further credit sales to that customer unless Kalkaal agrees.
- Keep chasing the debt, and keep copies of every reminder and reply.
- If the customer becomes insolvent, lodge your debt with the liquidator or administrator and tell Kalkaal.
- Tell Kalkaal about any payment you receive after you claim.
- Completed claim form
- Copies of unpaid invoices, with delivery notes or proof of service
- The sales contract or order showing the agreed credit terms
- A statement of the customer's account
- Copies of the reminders and demand letters you have sent
- Evidence of insolvency, such as a court or liquidator's notice
- Details of any security held, payments received or goods recovered
- Call a veterinary surgeon as soon as an animal falls sick or is injured, and follow their advice.
- Do not slaughter a covered animal unless a vet instructs it.
- If an animal dies, keep the carcass for inspection where it is safe and lawful to do so, and photograph its identification.
- Arrange a post-mortem where possible.
- Notify Kalkaal within the period stated in your schedule.
- Completed claim form
- Veterinary post-mortem report or death certificate
- Photographs of the carcass showing its identification mark
- The ear tag or other identification removed from the animal
- Vaccination and treatment records
- Proof of ownership, such as purchase receipts or a herd register
- If you need treatment, get it, and keep every medical report and receipt.
- Report lost or delayed baggage to the airline before you leave the airport, and ask for a written report.
- Report theft or lost documents to the local police and get a written report.
- Notify Kalkaal as soon as you reasonably can, and within the period stated in your schedule.
- Completed claim form
- Your schedule, and travel tickets or boarding passes
- Medical reports and original itemised invoices for treatment
- The airline's written report, for lost or delayed baggage
- Police report, for theft or loss of property or documents
- Evidence of the reason for cancellation, such as a doctor's letter, with cancellation invoices
- Receipts for essential items bought while your baggage was delayed
- Stop using damaged machinery and make the site or plant safe.
- Take reasonable steps to limit further loss, such as moving stock to other cold storage.
- Keep damaged parts for inspection, and do not start repairs until Kalkaal agrees, apart from urgent work to make things safe.
- Report theft or malicious damage on site to the police.
- Notify Kalkaal within the period stated in your schedule.
- Completed claim form
- An engineer's or technician's report on the cause of the damage or breakdown
- Maintenance logs and inspection certificates
- Repair quotations or invoices
- Photographs of the damage
- Site diary or progress reports, for project claims
- Stock records and temperature logs, for deterioration of stock claims
- Make the site safe, contain any spill and call the emergency services where needed.
- Take reasonable steps to limit further damage and loss of stock.
- Record tank levels and stock as soon as it is safe to do so.
- Do not admit liability to third parties or agree to pay them. Send their letters to Kalkaal.
- Notify Kalkaal within the period stated in your schedule.
- Completed claim form
- Your incident report, and the fire brigade or civil defence report
- Stock records before and after the incident, such as tank dip readings
- Photographs and site plans showing the damage
- Repair estimates or invoices
- Any claim, notice or legal papers received from third parties
- Records of clean-up work and its cost
- Get medical help first.
- Tell Kalkaal, or your group's contact person, as soon as you can and within the period stated in your schedule.
- Keep medical reports, hospital papers and receipts.
- If the accident was reported to the police, ask for a copy of the report.
- For a death claim, the person named to receive the benefit should contact Kalkaal.
- Completed claim form
- Identity documents of the covered person and of the person claiming
- Medical report from the treating doctor or hospital
- Police report, where the accident was reported to the police
- Death certificate, for a death claim
- Confirmation from the group's contact person, for group cover
- Get medical treatment straight away and follow the doctor's advice.
- Report road accidents and assaults to the police.
- Keep all medical reports, X-rays and hospital papers.
- Under group cover, the employer should record the accident and tell Kalkaal.
- Notify Kalkaal within the period stated in your schedule. For a death claim, the family or beneficiary should contact Kalkaal.
- Completed claim form
- Medical reports from the treating doctor or hospital
- Police report, for road accidents or assaults
- Death certificate and post-mortem report, for a death claim
- Identity documents of the covered person and of the person claiming
- Employer's accident report and salary records, for group claims
- Doctor's certificate showing how long you could not work, for temporary disablement
- Help anyone injured and make the area safe.
- Write down what happened, note the names of witnesses and take photographs.
- Do not admit liability, offer payment or negotiate with the person claiming.
- Send Kalkaal every letter, demand or court paper as soon as you receive it, without replying.
- Notify Kalkaal of any incident that may lead to a claim within the period stated in your schedule.
- Completed claim form
- The claim letter, demand or court papers you received
- Your account of what happened, with the names of any witnesses
- Incident report, and the employee's records, for claims by employees
- Medical reports, where someone was injured
- Contracts, advice and records relating to a professional claim
- Photographs of the scene or the damage
A bond claim is made by the project owner named in the bond, not by the contractor.
- Project owners: send a written demand to Kalkaal before the bond's expiry date, in the form and with the documents the bond requires.
- Contractors: tell Kalkaal straight away if the project owner warns of a default or a dispute, and keep all contract correspondence. If Kalkaal pays under a bond, you repay Kalkaal as agreed when it was issued.
- Written demand from the project owner, signed by an authorised person
- The original bond, or a copy if the bond allows
- A statement of the contractor's default, where the bond requires one
- The underlying contract and relevant correspondence
- Evidence of the advance paid and the amount recovered, for advance payment bonds
- Notice of contract termination, where relevant
- Take reasonable steps to limit further loss, such as separating sick birds or moving fish stock where it is safe to do so.
- Do not harvest, dispose of dead stock or replant until Kalkaal agrees, unless a vet or agricultural officer tells you to for health reasons.
- Photograph the damage and keep your farm records up to date.
- Notify Kalkaal within the period stated in your schedule.
Under index cover, payment follows the measured index as your schedule describes.
- Completed claim form
- Photographs of the damaged crop, dead birds or affected ponds
- A report from an agricultural officer or veterinary surgeon, where available
- Farm records, such as planting, harvest, flock or stock records
- Mortality records and laboratory results, for disease losses
- Records of sales and of the stock or crop that remains
Claim forms
Ask us for the claim form for your cover by phone, WhatsApp or at our office.
How do I make a claim?
Report the loss as soon as possible by phone, WhatsApp or at our office, then send the documents listed for your product. Kalkaal assesses the claim and pays eligible claims under the policy terms.
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