Need to make a claim? It's ok, that's why you have insurance, we're here to help

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 fulfill 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.

Insurers are there to pay legitimate claims, and more than 97 per cent of all claims made each year are accepted and paid to the limits of the policy’s terms and conditions.

Our providers may ask you to provide documents that help them assess and settle your claim. Documents can also be used to help them identify correct replacements for you.

Some examples of the types of documents our providers may need from you are:

• receipts
• user manuals
• valuation certificates
• credit card or bank statements
• photos