Section 6A: National Insurance Claims Database
This section is inserted by Act No 15 of 2021, section 41.
consolidated text (as at 2016, amended since). juris shows the text as it was consolidated; it does not confirm that this is the law in force today.
6A. National Insurance Claims Database
(1) Notwithstanding any other enactment, the
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the insurance industry and ensuring the fair treatment of policy
holders, establish a National Insurance Claims Database and
require, on such terms and conditions as it may determine, an
insurer which provides motor insurance business to furnish, at
such time and in such manner as it may determine, such data
relating to any claim or other information as it may require for
the purpose of –
(a) maintaining a database on insurers,
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claimants and such other information
which may assist in maintaining fair, safe,
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(cid:87)(cid:75)(cid:72)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:191)(cid:87)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:83)(cid:85)(cid:82)(cid:87)(cid:72)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:83)(cid:88)(cid:69)(cid:79)(cid:76)(cid:70)(cid:30)
(b) collecting, consolidating and collating
information, pertaining to insurance
business, on insurers, policy holders,
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(c) storing information collected,
electronically or otherwise, in such
manner as it may determine;
(d) disclosing or granting access to
information collected to such person or
institution as it may approve, subject
to such terms and conditions as it may
determine; and
(e) assisting the Commission in the discharge
of its functions under this Act.
(2) Subject to subsection (3), information collected
under this section shall be used for the purpose of attaining
the objectives of the National Insurance Claims Database and
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or institution to whom or
tabase and
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or institution to whom or which information is disclosed or
access is granted.
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person or institution under any enactment shall not apply
where the information is required for transmission to the
National Insurance Claims Database for the attainment of the
objectives of the National Insurance Claims Database.
(4) The Commission may impart, on such terms and
conditions as it may determine, information maintained in the
National Insurance Claims Database to –
(a) such bodies as it considers appropriate
for the purpose of insurance dispute
resolution;
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(b) any public sector agency or law
enforcement agency to enable the agency
to discharge, or assist it in discharging,
any of its functions; or
(c) such person or institution and for such
purpose as it may determine, where
the person from whom information is
sought gives his written consent for the
information to be disclosed to the person
or institution.
(5) Any person or institution accessing information
from the National Insurance Claims Database shall use the
information exclusively for the purposes of insurance policy
underwriting, claims processing, claims administration
or claims settlement, and upon a request from a claimant,
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the request information retrieved from the National Insurance
Claims Database on the person or claim.
(6) Any person or institution processing an
application for a claim shall have, for the purpose of processing
the application, recourse to the information from the National
Insurance Claims Database and shall inform the customer
that all available information will be used for processing the
application.
(7) Where an insurer or any other person fails to
comply with a requirement imposed under this section, the
Commission may, after giving the insurer or person, as the
case may be, an opportunity to make representations, issue a
direction to the person or insurer to take all necessary actions
for compliance with this section and –
(a) where the person does not comply with
a direction issued, the Commission may
impose a penalty or charge not exceeding
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50,000 rupees for each day on which a
breach of this section has occurred
ails to
comply with a requirement imposed under this section, the
Commission may, after giving the insurer or person, as the
case may be, an opportunity to make representations, issue a
direction to the person or insurer to take all necessary actions
for compliance with this section and –
(a) where the person does not comply with
a direction issued, the Commission may
impose a penalty or charge not exceeding
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50,000 rupees for each day on which a
breach of this section has occurred and
occurs and the penalty or charge may be
recovered by deduction from any balance
or money owed to the Commission as if it
were a civil debt; or
(b) refer the matter to the Enforcement
Committee on the ground that the insurer
or person is carrying on business in a
manner which is contrary to the interests
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sector.
(8) The Commission may, for the purpose of
administering the National Insurance Claims Database,
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FSC Rules.
(b) in section 71, by inserting, after subsection (1), the following
new subsection –
(1A) An insurer shall, at all times, ensure that its
insurance agents are in good standing in terms of fees and
reporting obligations;
(c) in section 72, by inserting, after subsection (3), the following
new subsection –
(3A) (a) Notwithstanding subsections (2) and (3),
the following persons –
(i) every company duly licensed to act
as an insurance agent and which is
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in the Companies Act; and
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(ii) every natural person duly licensed
to act as insurance agent,
shall submit to the Commission, not later than 3 months after
the expiry of each balance sheet date and with reference to
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(cid:86)(cid:83)(cid:72)(cid:70)(cid:76)(cid:191)(cid:72)(cid:71)(cid:3)(cid:76)(cid:81)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:41)(cid:76)(cid:73)(cid:87)(cid:75)(cid:3)(cid:54)(cid:70)(cid:75)(cid:72)(cid:71)(cid:88)(cid:79)(cid:72)(cid:17)
(b) In paragraph (a) –
“balance sheet date”, in relation to a natural
person referred to in subparagraph (ii),
means 30 June in any year.
(d) by inserting, after section 78, the following new sect
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(b) In paragraph (a) –
“balance sheet date”, in relation to a natural
person referred to in subparagraph (ii),
means 30 June in any year.
(d) by inserting, after section 78, the following new section –
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Questions this section answers
- Can the Financial Services Commission require my motor insurer to submit my claim data to the National Insurance Claims Database?
- Can information from the National Insurance Claims Database be shared with a law enforcement agency?
- Can I ask an insurer to tell me what information about my claim was retrieved from the National Insurance Claims Database?