CLAIMVOICE SAMPLE — SUBROGATION / INDEMNITY UNDERTAKING GUIDANCE

This document is a general sample only. The insurer's own prescribed wording, if any, should be used in preference to this sample.

A. REQUEST FOR CLARIFICATION

Claim Number: __________________________
Policy Number: _________________________
Vehicle Registration No.: _______________

Dear Sir/Madam,

You have requested a subrogation / recovery document / indemnity undertaking in relation to my claim. Please confirm:

1. The exact name of the document required;
2. Whether the insurer has a prescribed format;
3. The event or recovery right for which it is required;
4. The obligation that I will undertake by signing it; and
5. Whether any supporting documents are required.

Kindly provide the prescribed format, if applicable, so that the document can be reviewed and submitted correctly.

B. SIMPLE EXPLANATION

Subrogation generally concerns recovery rights that may arise after an insurer pays a covered loss, subject to the policy and applicable law. An indemnity undertaking may create a separate promise or protection for the insurer in a particular situation. The exact legal effect depends on the wording and facts.

IMPORTANT: Do not sign a legal undertaking you do not understand. Ask the insurer for its official format and explanation, and obtain professional advice where appropriate.