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更新日期：2019-02-15
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If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer.
The policy you buy is a promise of assistance when things go wrong, provided you fall within the policy’s terms and conditions. You need to lodge a claim to activate the insurer’s response. If your claim is accepted (and almost all are), the insurer will fulfil the promise it made in the policy. This is commonly through repairing or replacing damaged property or items, covering legal fees, or through a payment.
General insurers only deny about 3 per cent of claims each year, and pay out an average of $124.6 million in claims to policyholders each working day. In 2015-16, insurers approved 3,361,016 claims from policyholders*.
About 5 per cent of home and contents policyholders and 16 per cent of motor vehicle insurance policy holders will make a claim in a typical year.
If you are well prepared and organised, and you have all the information that the insurance company needs to see, making a claim is usually straightforward and quick.
The first thing you must do is contact your insurance company as soon as practical after the event happens, especially if the loss is due to theft or a serious accident.
You may choose to review the Product Disclosure Statement (PDS) for your insurance policy to see if you have a valid claim and that the event is not on the list of exclusions for your policy. Your insurer will do this anyway once you lodge a claim
You can make your claim progress much more smoothly if you take an organised, step-by-step approach. The following guidelines will help you to make sure that you don’t overlook any of the important steps in the process.
