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Claims Guidance When You Need Clear Next Steps
When something goes wrong, knowing what to do next matters. Premier Insurance provides local claims guidance to help clients understand the process, prepare documents, and communicate clearly.
Motor vehicle claims
What to Do After a Motor Vehicle Accident
1
Stop and check for injuries
Stop your vehicle immediately. Check whether anyone is injured. Call 999 for emergency services if there are injuries or serious damage.
2
Contact the police if required
In the BVI, you are required to report road traffic accidents to the police. Obtain a police report number as this will be needed for your insurance claim.
3
Document the incident
Photograph the scene, vehicle damage, and any other vehicles involved. Record the names and contact details of all parties and witnesses.
4
Contact Premier Insurance
Call (284) 394-6800 or email pil@premierinsurancebvi.com to notify Premier Insurance of the incident as soon as possible.
5
Submit your claim
Complete and submit a claim form with all supporting documentation. Our local team will guide you through the process.
Property claims
What to Do After Property Damage
1
Ensure safety first
If the damage creates a safety hazard (electrical, structural, flooding), ensure all occupants are safe before anything else. Contact emergency services if needed.
2
Prevent further damage
Take reasonable steps to prevent further damage — covering broken windows, turning off water supply, or securing the property. Keep receipts for any emergency protective measures.
3
Document the damage
Photograph all damage before any repair work begins. Create a list of damaged or lost items. Preserve damaged items where possible — do not dispose of them before your claim is assessed.
4
Contact Premier Insurance
Notify Premier Insurance at (284) 394-6800 or pil@premierinsurancebvi.com as soon as possible after the incident.
5
Submit your claim with documents
Complete the claim form and submit with supporting documentation. Our local team will assess your claim and guide you through the process.
Documents
Documents That May Be Needed for a Claim
Motor vehicle claim documents
- Police report number and copy
- Driver's licence details
- Vehicle registration details
- Photographs of damage and scene
- Names and contact details of all parties
- Witness contact details (if available)
Property claim documents
- Photographs of all damage
- List of damaged or lost items
- Receipts or proof of purchase for major items
- Property repair estimates
- Police report (for theft claims)
- Receipts for emergency protective measures
Frequently asked questions
Claims FAQs
- How do I start the claims process with Premier Insurance? ▾Contact Premier Insurance as soon as possible after an incident by calling (284) 394-6800 or emailing pil@premierinsurancebvi.com. Our local team will guide you through the next steps and advise on what documentation is needed.
- How long does a claim take to process? ▾Claim processing times depend on the complexity of the claim and how quickly complete documentation is provided. Our local team works to process claims as efficiently as possible. Contact us to discuss the progress of your specific claim.
- What should I do if I disagree with a claim decision? ▾If you have concerns about a claims decision, speak directly with the Premier Insurance team. As a locally owned and operated insurer, we are committed to clear communication and fair outcomes for our clients.
- Can I arrange emergency repairs before my claim is assessed? ▾Yes — you should take reasonable steps to prevent further damage. However, contact Premier Insurance first where possible, keep all receipts for emergency work, and do not make permanent repairs or dispose of damaged items until your claim has been assessed.
- What information should I have ready when contacting Premier Insurance about a claim? ▾Have your policy details ready if possible. For motor claims: police report number, details of all vehicles and drivers involved, and photographs. For property claims: photographs of damage, list of affected items, and details of any emergency protective measures you have taken.