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| About Filing a Claim: |
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What is the easiest way to file a claim? |
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Depending on your preference, there are three easy ways
in which you can file a claim:
- By contacting your insurance agent or broker
- By using our online "Report a Loss" feature, or
- By calling our Claim Service Center
To make a claim online, log in to www.chubb.com/personal
and click the Report a Loss link that appears on the right side of
each page. If you are not a registered user or would like speak directly
with a representative of our Claim Service Center, please contact
1.800.CLAIMS.0 (1.800.252.4670) toll-free, 24 hours a day, seven days
a week. |
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| About My Bill: |
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When does Chubb mail me the bill? |
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We mail insurance bills approximately 18 days before
the payment due date.
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What are the various options for paying my bill?
Can I pay annually, rather than monthly? |
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When you receive your bill, you have the choice of paying
the minimum amount due, the total premium due or any amount in between,
as long as the total amount due is paid on time. |
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Where should I send my payment? |
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Billing Contacts: Please include your 16-digit billing account number on your
check and mail it to:
ALL Masterpiece Policies & Kentucky, New
Jersey, Texas & Virginia Auto Policies
Chubb Group of Insurance Companies
P.O. Box 7247-0180
Philadelphia, PA 19170-0180
ALL North Carolina and Yacht Policies:
Chubb Group of Insurance Companies
P.O. Box 7247-0211
Philadelphia, PA 19170-0211
If you are sending your payment via an overnight
service:
Chubb Group of Insurance Companies
202 Hall's Mill Road (CPI)
Whitehouse Station, NJ 08889-1600
Attn: Cash Unit |
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Can I pay my insurance bill online? |
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Yes, Chubb is offering complimentary access to CheckFree,
a leading online bill payment service that currently enables more
than 5.6 million consumers to pay bills electronically. Chubb and
CheckFree* are working together to provide you with a service that
makes paying your insurance bills easy and convenient. With our new
bill payment capabilities, you can make individual payments or schedule
repeating payments to be deducted from your checking account and sent
to Chubb. If you have multiple Chubb accounts, you can schedule payments
on each account through CheckFree.
* CheckFree Services Corporation is neither owned by nor affiliated
with Chubb. Once you are on the CheckFree web site, your activities
are governed by the terms and conditions that apply to CheckFree's
web site. |
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| About Obtaining a Copy of… |
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How do I request a copy of my Policy papers? My
Vehicle Insurance Card? My Valuable Articles Schedule? |
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In order to obtain a copy of your policy papers, vehicle(s)
insurance card(s) or valuable articles schedule, log in to www.chubb.com/personal
and select Policy Information. The Request a Copy of… link will appear
on the right. Or if you prefer, your insurance agent will be happy
to process your request. Also, if you have a new policy or have renewed
or endorsed your existing policy on or after 6/14/02, you can view,
print or save reference copies of your policy from our web site. Simply
log in and select the View Policy Paper link in your Policy Information
section. |
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| About Using The Site: |
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What benefits does the site provide and how can I access these online services? |
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Our website provides our customers with many convenient online services.
To name a few, you can access your policy, billing, claims information and
in some cases, your appraisal information. You also can pay your bill online.
In order to take advantage of these services, you must first register on
www.chubb.com/personal to create an Online Account.
Please note you will need a current copy of your policy or billing statement to
complete this easy two step process. (some restrictions apply)
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Which policies are not currently accessible online? |
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Currently, you cannot add yacht, North Carolina homeowners
and auto, expatriate policies and most collector vehicles policies
to your Online Desktop. If you're having trouble adding your policy
to your Online Desktop, feel free to contact the Chubb Customer Care
Team at our toll-free number, 1.866.324.8222 (1.866.eChubb2). |
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| About Changing My Address With Chubb: |
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How do I change my Policy Mailing address? |
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Contact your insurance agent or broker with your policy mailing address change.
This change will NOT affect your coverage location. |
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How do I change my Billing address? |
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If you would like your bill sent to a different address, contact your insurance agent or broker with the new billing address.
This change does NOT affect your coverage location. |
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| About Insurance Coverage: |
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Actual coverage is subject to the language of the policies
as issued. |
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How can I save money on my insurance? |
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There are two issues to consider - short-term savings
and long-term savings. The short-term savings is the money that you
can save if you choose the lowest premium. The long-term savings is
the money that you can save if you select a policy that will save
you money at the time of a claim. Generally, the long-term savings
are much greater than the short-term premium reduction. For example,
saving $200 on the premium up front may mean owing $2,000 when you
have a claim because you are not covered or valuable choices aren't
available to you. Be certain that you evaluate more than just the
premium when making your personal insurance selections. |
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How much insurance coverage should I buy for my house? |
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In selecting an appropriate amount of coverage, be sure
to avoid the most common consumer mistake - insuring your home for
what it costs to sell (the market value), rather than what it costs
to replace. Homeowner policies are designed to cover the cost of reconstructing
your home should it ever be destroyed. Therefore, you should select
an amount of insurance that represents the replacement value of your
home. Look for a company that assists you in the valuation of your
home. Additionally, look for a company that provides a payment basis
called "extended replacement cost". This payment basis helps
you rebuild your home even if it exceeds the amount of insurance on
your policy.
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When I rent a car, do I need to buy the coverage
that the rental company sells? |
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It depends on your automobile policy. Here's why: If
you damage a rental car, the rental car company may charge you for
the damage to the car as well as for the rental income it loses while
the car is being repaired. In order to cover these potential charges,
the rental car company may try to sell you a collision damage waiver
which can cost anywhere from $8-$15 per day. If your automobile policy
covers rental vehicles under the liability portion of your policy,
you may not need to buy the collision damage waiver if the policy
provides coverage for your legal obligation to the rental agency.
Additionally, you won't be charged the deductible. If your automobile
policy covers rental cars from the comprehensive and collision coverages,
you may only be covered for the damage to the car, but not for the
loss of rental income that the rental company could charge you. What's
more, you would be obligated to pay your deductible. In that case,
you should consider purchasing the collision damage waiver.
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Do I have coverage if I'm hit by a driver with no
insurance? |
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Chubb estimates that 6 out of 10 drivers on the road
either have no insurance or inadequate insurance to pay for a serious
accident, so uninsured/underinsured motorists coverage is a critical
part of your insurance portfolio. Referred to as 'UM/UIM', this coverage
helps to protect you and your family if you are hit by a driver with
no insurance or insufficient insurance to pay for serious injuries
or damages. You probably have some amount of UM/UIM coverage on your
automobile policy, but do you have enough? If you seek substantial
levels of coverage, consider a UM/UIM amount of $1,000,000.
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How much liability coverage is enough? |
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Ask yourself how much you have to lose if you are sued.
The amount of personal excess liability coverage you choose depends
upon your individual requirements. Review your assets: your home,
other personal belongings and investments. Select a limit that provides
adequate financial protection and be certain that your insurance company
can provide this limit. Also, because the cost of litigation can be
very expensive, look for additional coverage for defense costs.
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Is my child's property (including his computer hardware)
covered while he is away at college? |
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As long as your child is covered under your insurance
policy as a member of your household, his personal property, including
the computer, would be covered. Insurance companies cover children
away at school differently so check with your insurer to see if your
college student is covered by your policy.
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Is my jewelry fully covered by my homeowners policy? |
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Most people don't realize that many homeowners' policies
offer only $1,000 in coverage for jewelry. Given that this limit is
generally less than the cost of an average engagement ring, it is
doubtful that most customers will have enough coverage for their jewelry.
The solution is to purchase a Valuable Articles Policy so you can
insure specific jewelry items. Tips on selecting a valuable articles
policy: (1) look for a policy that doesn't mandate that you replace
an item to receive the full value of the settlement, and (2) select
a company that makes it easy to insure your jewelry by requiring appraisals
only on high value items.
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Will my insurance company allow me to have my car
repaired at the body shop of my choice? |
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Many companies will allow you to choose a repair shop.
However, if you select a repair shop that charges a labor rate greater
than the one allowed by your insurer, the difference may come out
of your pocket. If you don't want to pay the difference, the company
will then steer you to a shop that will do the work for their allowable
rate. If you prefer to do business with the repair shop of your choice,
including your dealership or a specialty shop, look for a company
that honors your selection and pays for it.
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I drive a corporate car, provided as a benefit by
my company. How can I find out if I have adequate insurance protection
when I drive this car? |
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Talk to the individual or department at your company
that manages the commercial vehicle fleet. They may be able to provide
you with a copy of the commercial insurance policy, which you can
then review with your independent insurance agent. Be forewarned,
however: commercial auto policies may only offer standard coverages
and low liability limits that you cannot change and may be inadequate
for your asset protection needs. Furthermore, your company's policy
may not protect you when the vehicle is driven for personal use; it
may also exclude coverage for drivers other than yourself. Since typical
personal automobile policies oftentimes will not insure regularly
used vehicles not specifically listed on the policy (your corporate
car, for example) you may be faced with a significant gap in coverage.
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I live in a condominium and I've been told that I
need to buy additions and alterations coverage. What is it? |
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Additions and alterations are permanent improvements
made to condominiums and cooperatives. Many people mistakenly believe
that the condominium association's policy covers interior improvements
like floor coverings, cabinets, bookcases, wall coverings, kitchen
appliances and light fixtures. Generally it does not. Additions and
alterations coverage is protection you can purchase for interior improvements
that you've made to your condominium or cooperative.
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What is a family office? |
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A family office is a business that specializes in managing
the financial, charitable and even philosophical goals of distinguished
families. Family offices accomplish this by providing services to
the family, including tax and estate planning; the management of foundations,
trusts and philanthropy; the coordination of risk management; and
more. If you are a family office manager or are part of a family that
employs the services of a family office, you can find more information
about Chubb's Masterpiece® Family OfficeSM
program in our Coverage Options section, under the Family Office tab.
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