Insurance Claims Management

First of all, your safety and of those around you is paramount. Below we outline some basics to keep in mind:

• Look out for the safety of people and property as a top priority
• Contact your Regional broker as soon as possible
• Take reasonable steps to minimise your loss
• Record or photograph damage, noting that a loss adjuster may need to assess damaged property before clean up begins, so – avoid disposing of items if you can
• Do not admit liability as this could prejudice your claim
• Do not wait for quotes or documents to support your claim before submitting, these can be obtained later

Before submitting a claim or completing a claim form, we recommend discussing the circumstances with your account manager. Your account manager is always available to offer advice on claims management and notification procedures. Any claim or circumstance that may give rise to a claim should be reported to us as soon as possible.

It’s also important to establish whether excess applies and if the claim falls under your policy excess. In some cases, below excess claims have the potential to develop into insurable losses and may need to be reported to your insurer as a material fact. Check your policy or talk with your account manager about your policy excess.

Your account manager will be able to provide the necessary claim forms and offer guidance on completing them if required.

Once your claim is lodged, your insurer will often appoint a loss adjuster to investigate the circumstances of the event. Always ask for identification and ensure they represent your insurer before providing any information regarding an incident.