From notification to payment

Notification to payment model


A timely notification will enable NHC to be of assistance. Our network of specialists and correspondents around the world will be ready to support both owners and NHC.
It is an obligation as per insurance conditions to notify Underwriters without undue delay.

Operational Intelligence

Post Notification the NHC Emergency team will react in accordance with the NHC Emergency Response Plan based on severity of the reported claim.
Special trained personnel will use subscription tools and OSINTEL, in order to build a “picture” on the situation.
This Operation Intelligence will assist the owners and the NHC Emergency team in focusing on mitigating the Claim by making the best decisions based on the best available information.


When an average has occurred the normal procedure is to appoint a Hull & Machinery surveyor to attend the vessel prior to repairs commencing. Surveyors are usually appointed by NHC based on the notification from the Master through the assured/Ship managers.
When damages relate to third party matters, surveys should be arranged so that representatives from all parties can be present.

Spec, Tendring & Contract

If the insurer is aware of the casualty, it is usually under the policy his duty to clarify with the assured whether or not he will demand invitations to tender.
Good specifications following major incidents involving fires, groundings and collisions is imperative to achieve a good result for both owners and insurers.
NHC will always encourage and participate is such a process involving specifications and tender process following major casualties.


The Underwriters surveyor will not participate throughout the repairs of the vessel.
Thus it is important to notify the surveyor if there are any non-compliance with the planned repair process as agreed during the initial survey or if there are any changes in the extent of the damage ort any other extra ordinary conditions.

Statement of Claim

Following the repair of the vessel the owner will prepare their final statement of claim under the policy.
NHC has developed tools and templates to assist our members in presenting their claims under the policy.

Adjusting of claim

Following the presentation of owners final claim, NHC will prepare the final adjustment under the policy based on the Owners Statement of Claim, the survey report and the policy conditions.


When the final adjustment have been approved by the Assured and his broker, the adjustment will be sent to the broker for collection of funds from the various markets participating on the particular policy.