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Blue Creek Insurance Company Ltd.

make an insurance claim

BCIC ensures your claims experience is easy, and handled quickly, and fairly. Hassle-free!

We understand that filing a claim can be a stressful and overwhelming experience, which is why we’ve created this resource to help guide you through the process.

You’ll find information on the different types of insurance claims we cover, as well as detailed instructions on how to file a claim and what to expect during the claims process.

Our goal is to make the claims process as straightforward and transparent as possible, so you can focus on getting the assistance you need.

How to file an insurance claim

Motor Vehicle Claim

  1. Fill out the Claimant form and the Insured form
  2. The claimant has to provide the following supporting documents 
    • Proof of address 
    • Driver’s license 
    • Estimate 
    • Picture of damages 
    • Certificate of Registration 
    • Insurance Certificate 
  3. The insured must provide the following 
    • Proof of address 
    • Driver’s license 
    • Pictures of damages 
    • Certificate of Registration 
  4. Call or visit our office or one of our BCIC agents to complete the claimant form
Insurance Claim form

Documents needed

Drivers License 

A valid driver’s license must be submitted. The information provided on the driver’s license should match the details provided on the claim form.


The estimate is a crucial document in the claims process as it facilitates the settlement of the client’s claim. It must be presented on the company’s official letterhead, stamped and include the repairer’s name, address, and contact number(s). The estimate should include the following information:

  • List of parts requiring replacement
  • List of parts needing repair
  • Cost of replacing the parts
  • Labor cost for repairing or replacing the parts
  • Date of estimate preparation


Picture of damages

Upon reporting a claim and if the vehicle remains drivable, it is necessary to capture photographs of the damages.

Guidelines for taking pictures:

  1. Capture the entire front of the vehicle, ensuring that the number plate is clearly visible.
  2. Include the complete area that has sustained damage on the vehicle.
  3. If possible, take photos of the engine and chassis number of the vehicle.
  4. Capture clear images of the damages, with a focus on the parts listed in the estimate

Additional Documents


In instances where liability is not straightforward and statements are required, to assist in determining liability these can be requested from the Insured, Third Parties, passengers of either vehicle, or bystanders/onlookers.

It’s always advised that these statements be requested when the claim has just occurred and the information is fresh in the minds of the relevant parties.

Police Report

Once there are major injuries stated on the claim form, a Police Report is to be requested from the relevant authorities.

These major injuries may be a result of the following type of accidents:

  • Oncoming vehicles with head-on impact
  • Actual or constructive total loss of the Insured or third Party vehicles
  • Moderate/substantial damage to the Insured’s vehicle with the involvement of a motorcyclist, cyclist, or pedestrian
  • The presence of Police and ambulance services at the scene of the accident
  • Several passengers in either the Insured or Third Party vehicles
  • Single-vehicle accidents with several occupants (especially where occupants are not family members)

What to Expect After Filing a Claim

Detail the process of what happens after a claim is submitted, including how it is processed and what communication can be expected from the insurance company.

Address any potential delays or complications that may arise during the claims process.

When you can safely report your claim, submit online or download and send in a completed claim form and forward via the information below: