Making a claim - House Insurance

Report to police

Immediately advise the police of any malicious damage or act, theft, attempted theft, burglary or loss, and give them a list of items damaged, stolen or lost.

You will need to provide us the police report number, the name of the police officer, station reported to and date reported.

Prevent further loss

Do everything you reasonably can to prevent any further loss or damage from occurring.

Assist us with your claim

Assist us with your claim. You will need to give us any information deemed relevant to your claim, which we may need to handle, assess or investigate your claim, and to arrive at a settlement of your loss or damage. This may include providing us with quotations for the repair or replacement of your loss or damage, or giving evidence in court if required.

If you make a claim and we wish to recover the amount we have paid from another person then, subject to the Insurance Contracts Act, we can do so. And you and any other person entitled to cover under this policy must give us any information and help that we may reasonably require.

Provide proof of ownership

Provide proof of ownership. When you make a claim, you will be required to provide proof of your ownership of the items you are claiming for.

Some acceptable proof of ownership documents are listed below:

• instruction booklets and owner's manuals,
• valuations,
• receipts or accounts of purchase,
• credit card statements or bank statements showing the
  purchase transaction details,
• builder or electrician's reports detailing the damage.

Allow us access

Allow us access. You may be required to let us enter your home to investigate the cause of loss or damage following a claim.

Pay your excess

For further information on excesses applicable to your policy, refer to page 56 of the PDS.

Make your damaged property available

Make your damaged property available. You must make your damaged property available for inspection by us or a representative of ours and if we require, deliver the items which have been damaged to us.

Liability

You must not:

• admit guilt or liability to anyone,
• offer, agree or promise to settle any claim without our prior consent.

Authorise repairs

Following loss or damage, you should not carry out or authorise any repairs or arrange replacement of any property without our prior consent (apart from emergency repairs necessary to prevent or minimise further damage).

Dispose of damaged goods

You will need to keep any damaged property for inspection and assessment of repair costs by our representatives or us. You should also not wash or clean or remove debris from an area damaged by fire unless we have agreed for you to do so. We can take and keep any recovered or salvaged item and sell it, and keep the proceeds after we have replaced the item or paid you for it.