Claims
Claims
New Claims
When a loss occurs, a claim is made against you by a third party, or you become aware of circumstances which could give rise to a loss of claim, it should be reported to your insurer at the earliest opportunity.
We suggest that you contact us rather than the insurer. We will help you collate the information that the insurer is likely to require and will pass it on to your insurer for you. If your insurer needs you to complete a claim form, we will forward this to you and can help you to complete it.
Pass any letters of demand to us to be dealt with. Do not answer or acknowledge this type of correspondence without prior consultation.
If a third party makes a claim against you, do not admit or deny liability. It is your insurer’s prerogative to do this.
Collate the claim documentation as soon as possible following the event and while details of the circumstances are still clearly defined in your memory, eg claim forms, letters of demand, medical certificates, repair and/or replacement quotes. The speedy preparation and presentation of claims documents enables a speedy settlement of claim.
You must provide your insurer or their investigators with all information that they reasonably require to assess your claim or defend any claim against you.
Contact us before submitting or discussing with insurance investigators any claim for large amounts or potentially contentious claims.
Do let us know if you have any problem with a claim or if the insurers are delaying settlement.
Excesses
Many policies are subject to a deductible or excess. This means that you must pay the first amount of any claim. The amount of the excess is set by the insurer and is set out in your schedule of insurance.
To discuss your unique details with one of our staff
Ph: 03 9349 2733
