What to do if you need to claim
What to do if you need to claim
What to do if you need to claim on your AAMI policy
If your insured property has been damaged or lost or someone is claiming against you, please phone us immediately. We may require you to report the matter to the police.
You can call AAMI at any time on 13 22 44.
Our claims service will take away the stress and hassle by taking care of everything for you.
Helping us to pay your claim
When you can provide us with information such as documents, booklets and photographs showing and/or valuing your building, you help us make speedy and accurate decisions regarding your claim and the repair or the rebuilding of your building. This information helps establish ownership of property and its value and condition.
This information includes:
receipts, bank and credit card statements, agreements and reports, valuations and photographs (photographs do not have to be specifically of your building; it may be easily identifiable in photos taken, for example, of personal events).
We may require this type of information. If you are unable to provide information of this type, that establishes ownership and value of the property in question and the value of your claim, then we may reduce or refuse to pay your claim.
What happens when you claim on your AAMI policy
When you tell us about the damage or loss to your building, where necessary and as soon as possible, we arrange:
for our assessor to meet with you, inspect your building and confirm the full details of the damage or loss,
temporary repairs to and the securing of your building,
temporary accommodation for you and your family. See page 20.
We discuss with you what is necessary to make good the damage or loss and then we will decide either to repair or rebuild your building or pay the cost of repairing or rebuilding your building to the same size and standard as your current building.
Repairing or rebuilding your building
We ordinarily obtain independent, competitive quotes from repairers and suppliers recommended by AAMI. If you want, you can choose a repairer and/or supplier to provide one of the quotes. We review the quotes, including any quote from a repairer and/or supplier you choose, and what is necessary to properly repair or rebuild your building. We choose the repairer and/or supplier who submitted the more competitive and complete quote and that will be the repairer and/or supplier who repairs or rebuilds your building.
We will enter into any building contract with the selected repairer and/or supplier on your behalf. We will oversee the repairs and keep you informed of their progress.
Changes to your building
You can have changes made to the design and structure of your building before repair or rebuilding. Any extra cost of such changes will be your responsibility.
We may decide to pay you the cost of repairing or rebuilding your building without the changes you require.
What happens to your policy when you claim?
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| the damage or loss can be repaired, we decide either to... |
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| the damage or loss can't be repaired and your building has to be rebuilt, we decide either to... |
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When you claim on your policy, your responsibilities include
Preventing further damage or loss
Following an event that is likely to result in a claim, you must take all reasonable precautions to prevent any further damage, loss, cost or liability.
Allowing us access
You must provide us with access to your building and the site to inspect damage or loss, arrange quotations, repair or rebuilding, and undertake progress inspections if required.
Obtaining our written authority for the repair of your building
You must not authorise the repair of your building, apart from emergency repairs, without our written permission.
Obtaining our written consent
You must not make any admissions or settle any claims without our prior written consent.
Giving assistance - information, notices, negotiating, defending and settling claims
You must give us the information and assistance we reasonably request in evaluating the cause, extent and value of any claim. This may include:
providing us with full details of the claim in writing,
providing valuations, receipts or other evidence of ownership,
providing written statements,
undergoing an interview or interviews about the circumstances of the claim,
appearing in court and giving evidence.
You must promptly deliver to us any relevant letters and notices that come into your possession.
We shall be entitled, but not obliged to defend or represent you in any legal proceedings relating to an accident or event which may give rise to a claim against us and to control, settle and deal with those proceedings as we see fit.
We will pay the legal and other reasonable related costs of defending any claim made against you, provided we appoint the solicitors who will defend the claim and we have told you in writing that we will pay their costs.
You must assist us in all our endeavours to negotiate, defend or settle any claim made under this policy and to exercise for our benefit your legal right of recovery against any other party (including a party involved in making good any damage or loss).
If you fail to assist us, or do not abide by any of these terms, we may reduce or refuse to pay your claim.