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Published April 2019
Here are some helpful tips to consider when making a home and contents insurance claim.
Owning or renting your home can be expensive; but not taking out insurance could be an even greater expense.
The cost of repairing a home or replacing damaged belongings affected by flood, storm or fire can be distressing and extremely costly, bringing financial and emotional hardship. This is why taking out home and contents insurance can provide protection and peace of mind.
Having the right home and contents insurance not only helps protects you from the unthinkable of losing your home or belongings, but can also cover additional costs of having to find alternative temporary accommodation, or costs of demolition and debris removal should the home require significant repair. Whether you are affected by accident, power surge or natural events, it is reassuring to know you have insurance in place to help cover the financial cost.
Making a claim for the first time can be daunting especially in the event of a major loss such as fire, storm or flood. To help navigate through the claim lodgment process and to remove some of the stress, the following pointers should help you with your claim:
Try to have your policy number ready. If you don’t know your policy number, after confirming your details the insurance provider will be able to locate your policy and proceed with lodging the claim.
Where the structural integrity of the home has been compromised, in the interest of safety for you and your family, you should not personally attempt temporary repairs until a qualified repairer or assessor has inspected the home. Your insurance provider can assist with organising an inspection, and emergency repairs, if required.
Photos of damaged items and receipts of purchased items can all be helpful in lodging your claim.
Check first as this could put you out of pocket and slow down the settlement of your claim.
This can help with the timely authentication and replacement of items.
Contact the police to report the incident and provide the police report number to the insurance company when lodging the claim.
They may also arrange for qualified trades people or replacement specialists to inspect your home and to provide quotes for repairs. Alternatively, the insurance company may ask you to obtain your own quotes for repairs. It is important not to authorise any repairs or replacements to your home and contents until your insurance provider has agreed.
You can make a claim for ANZ Home and Contents or Landlord Insurance over the phone or online. Make sure to have your policy number handy.
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This information is current as at date of publication and is subject to change.
ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Home Building Key Facts Sheet (PDF 130kB), ANZ Home Contents Key Facts Sheet (PDF 130kB), ANZ Home Insurance Target Market Determination (PDF 199kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.
Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
The ANZ App is provided by ANZ. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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