What to do if you need to claim on your AAMI policy
If your contents have been damaged or lost by fire, please call AAMI immediately.
If your contents have been stolen or damaged by theft, please report the matter immediately to the police and to AAMI.
If someone is claiming against you, please phone us immediately.
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 contents,
you help us make speedy and accurate decisions regarding your claim and the repair or replacement of your contents.
This information helps establish ownership of property and its value and condition.
This information includes:
receipts, bank and credit card statements, agreements and reports, evaluations and photographs
(photographs do not have to be specifically of your contents; they 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 contents 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 contents, where necessary and as soon as possible, we arrange for our assessor to meet with
you and confirm the full details of the damage or loss.
We discuss with you what is necessary to make good the damage or loss and then
we decide either to repair or replace, or pay the cost of repairing or replacing your contents.
Repairing or replacing your contents
We ordinarily obtain independent, competitive quotes, from repairers and suppliers recommended by AAMI. If you want, you can choose a repairer or supplier to provide
one of the quotes. We will review the quotes, including any quote from a repairer or supplier you choose, and what is necessary to properly repair or replace your contents.
We will select the repairer or supplier who has submitted the more competitive and complete quote and that will be the repairer or supplier who repairs or replaces your contents.
We have your contents repaired or replaced, keeping you informed all the way along.
What happens to the amount covered after a claim has been paid?
If we do not consider your contents to be a total loss and the payments made by us are less than the amount covered, there is no change to the original amount covered
and your policy continues for the remainder of the period of cover.
However, if we do consider your contents to be a total loss or we pay the amount covered for
your contents, then the policy comes to an end.
When our payment is for the total loss of your contents, your policy, including the legal liability cover it provides,
comes to an end. Because our payment meets all our obligations to you in full, there is no refund of any portion of the premium.
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 home and contents for the inspection of damage or loss, arranging quotations, repair or replacement, and progress inspections if required.
Obtaining our written authority for the repair or replacement of your contents
You must not authorise the repair or replacement of your contents, apart from emergency repairs, without our written permission.
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 evaluations, 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 assist us to recover any part of the claim from the person responsible for the accident or event which results in a claim.
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 occurrence 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.
If you fail to assist us, or do not abide by any of these terms, we may reduce or refuse to pay your claim.