Home claims

Assessing your claim

We'll explain the options for repairs and replacement, including if we need to assess the damage.

If an excess applies, we'll tell you when you lodge your claim. In most cases you will be asked to pay the excess to the repairer or supplier, or we can deduct it from any payment we make to you.

Assessing a building claim

A convenient time will be arranged with you to inspect the damages you're claiming for.

We'll let you know what needs to be repaired. If there's anything that won't or can't be repaired, we'll explain this to you.

Replacing or repairing items

We can organise for most items to be repaired or replaced through our suppliers. Or we can arrange to provide the funds to you.

Settling your claim

We'll arrange for repairs to be completed, items to be replaced or for funds to be sent to you.

Building claims

For most claims we can organise one of our partners to do the work and we'll provide a lifetime guarantee for the work done.

If you have a builder or tradesperson you would prefer to use, simply let us know.

Contents claims

We'll arrange for items to be replaced and have them delivered to your home. We can also provide you with a store credit or card for one of our suppliers, or send the funds to you.

Finalising your claim

Once repairs or replacements are completed and the excess has been paid, a claim can be finalised.

We'll also advise if there's been any change to your No Claims Bonus, as it may reduce slightly.

What's my No Claims Bonus level?

See your current No Claims Bonus level online in your account.