Making a claim - Motor Insurance

At the scene of an accident

Depending on the laws of the State or Territory in which the accident occurs, you must contact the police immediately. If possible, get the full name, address and phone number of the person or persons involved in the accident, as well as the vehicle registration numbers and insurance details.

If a crime is suspected

Immediately advise the police of any malicious damage or act, theft, attempted theft or loss. You will need to give us the name of the police officer, the police station reported to and the date reported, or the police report number.

Prevent further loss

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

Cooperate with us at all times

When requested, you will need to provide us with all proofs, information, co-operation and assistance in relation to a claim including giving evidence in court if necessary.

Assist us with your claim

You, or the driver of your vehicle, will need to give us any information deemed relevant to your claim, which we may need in order to handle, assess or investigate your claim, and to arrive at a settlement of your damage or loss. If we require, you, or the driver of your vehicle, will need to be interviewed by us (or our agent).

You will need to make your vehicle available for inspection by us or our representative, and if we require, deliver your vehicle to us. You may need to provide us with your permission to tow your vehicle to a place nominated by us, such as a repairer.

If you make a claim and we wish to recover the amount we have paid from another person, you, and any other person entitled to cover under this policy, must give us any information and help that we may reasonably require.

Providing proof of ownership and evidence of the value of your vehicle

When requested, you will need to provide us with evidence of ownership and value of your vehicle including any modifications and/or accessories. Some acceptable proof of ownership and evidence of value documents are listed below:

• Registration of the vehicle.
• Contracts of sale.
• Photographs.
• Receipts, bank and credit card statements.

If you are unable to provide us with the proof of ownership and/or the evidence of value we require, we can reduce or refuse to pay your claim.

Pay your excess

You may be required to pay us one or more excesses in respect of your claim. We will tell you when an excess is payable. For further information on excesses applicable to your policy, please refer to page 43 of the PDS.

Admit Fault

You must not admit fault or liability to anyone, offer, agree or promise to settle any claim without our prior consent. If you do so, we can refuse to pay your claim.

Authorise repairs

Following a loss, you should not carry out or authorise any repairs or arrange replacement of any property without our prior consent (other than emergency repairs up to $500). If you do so, we can refuse to pay your claim.

Dispose of damaged goods

You will need to keep any damaged property for inspection and assessment of repair costs by us or our representative.