Making a Claim - Home and Contents  

What you must DO immediately after the loss or damage

  • Take all reasonable steps to prevent further loss, damage or liability.
  • Notify Police immediately if a burglary has occurred, or if your property is lost, stolen, or maliciously damaged and obtain a copy of the police report.

Liability

  • Do not admit liability either verbally or in writing if an incident occurs which is likely to result in another person making a claim for compensation against you.
  • Do not make an offer, settlement or promise of payment without our prior written consent.
  • Do not incur any costs or expenses without our prior written consent, in respect of any right or claim.

Making A Claim

  • Promptly contact Affinity Insurance Brokers on 1300 131 366, on Monday to Friday between the hours of 8.00am – 5.30pm to report the loss, damage or incident and obtain further information about what to do next, including information advising what documentation will be required to support your claim.
  • Obtain a claim form for completion and return to our office. This may be downloaded from this website, or otherwise the claim form can be posted, faxed or emailed to you upon request.
  • Complete and return the claim form to us within 7days together with any information or documentation such as quotations, invoices and/or proof of ownership which support your claim.
  • We may appoint an assessor to attend your premises to assess the circumstances of the loss or damage.

Excess

An excess is the first amount, which you must pay towards each claim. This amount is shown on your schedule. Before we pay a claim you must pay the total amount of the excess to the person to whom we direct you to pay it. This may be a repairer or our office.

Co-Operation

If an event occurs which may give rise to a claim being made against you, you must:

  • Supply us with all the information we require to settle or defend the claim on your behalf.
  • Send to us immediately any letter, notice, claim, Writ, Complaint or communication from other parties in which a claim is made or threatened or intimated.

 Action By Us

When we receive a claim from you we will examine the circumstances of the incident and tell you if you are covered.

If your claim is covered and payable by us, we may choose to repair or replace items, or alternatively pay you the reasonable costs of repair, replacement or reinstatement. However, we will require your co-operation to provide an accurate description of any items together with any information or documentation such as quotations, invoices and/or proof of ownership which support your claim.

Method of Settlement:

We will:

  • Repair or replace the items, or
  • Pay the reasonable cost of repair or reinstatement to a condition substantially the same as, but not better than new, or
  • Pay up to the sum insured ( This amount is shown on your schedule).

In most circumstances we settle claims by replacement especially claims for jewellery, photographic and electrical items (unless the item is rare and unable to be easily replaced).

Window Claims

If you have your home insured and a broken window occurs please contact either:

  • O'Brien Glass on 1800 800 889 and tell them you are insured with Affinity Insurance Brokers and quote your policy number to arrange repairs/replacement or,
  • Obtain comparative quotations from two repairers and proceed with the repair or replacement of the broken window if the quotation is below $500.00.
  • Then contact Affinity Insurance Brokers on 1300 131 366 promptly on Monday to Friday between the hours of 8.00am – 5.30pm to report the damage and request a claim form for completion and return to our office. This may be downloaded from this website, or otherwise the claim form can be posted, faxed or emailed to you upon request. Please advise our office if the quotations you obtained exceed $500.00 and we will instruct you what to do.

Please remember this is a quick claims reference guide to assist you. Your insurance policy consists of the policy wording and the policy schedule.