Insurance Claims 101

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* Kids covered for free if they are travelling with their parent or grandparent for 100% of the journey, provided they are not working full time. Children under 16 cannot travel on adult policies by themselves.

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Disputes involving insurance claims are reportedly on the rise and, according to the Insurance Ombudsman, they usually revolve around misunderstandings about what was and was not covered.

Travel Claims

When you're travelling, take receipts with you as well as a note of make, model and serial numbers for laptops, iPods, cameras, camcorders and the like. It's important you understand terms such as 'Unattended luggage' which may mean the camera that was stolen after you left it sitting on the back seat of your rental car over night is not covered after all. If you are the victim of theft, you need to report a loss to the local police, the airline or responsible authority and request a written report for your claim submission.

Home and Contents Claims

When putting together an estimate for your home and contents, or even just contents, insurance set aside all your receipts and include information on make, model and serial numbers for all your major items, and take photos of jewellery and other valuables that will help in identification and valuation if they are lost through theft, fire or other event.

Be sure to do a thorough inventory. It's amazing how all our possessions and home décor bling add up and you don't want to be disappointed when you come to make a significant claim and find you have underinsured.

Motor Vehicle Claims

Naturally, aside from ambulance in the case of injury, the first call you need to put through is to the police when you have a motor vehicles accident or theft. All significant accidents must be reported to the police, and as soon as possible any accident or incident should be reported to your motor vehicle insurance company claims department.

Paper-Free Claims Keep Stress to a Minimum

With the exception of travel claims, were we do require documentation be filled out, all our other claim processes are paper-free and totally user-friendly at a time when the last thing you need is a lot of unnecessary stress and fuss.

You can contact our insurance claims department 24/7 by phone or email and many claims can be settled over the phone.