What to do if you need to claim on your AAMI policy
If your contents have 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 contents, you help us make speedy and accurate decisions regarding your claim and the repair or the 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, valuations 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 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 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 will decide either to repair or replace your contents or pay the cost of repairing or replacing your contents up to the amount covered.
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 who repairs, or the supplier who replaces, your contents.
We have your contents repaired or replaced, keeping you informed all the way along.
What happens to your policy when you claim?
| When we establish that… |
What happens to your policy |
| the damage or loss is less than your contents amount covered, we decide either to ... |
repair or replace your contents.
or to pay the cost of repairing or replacing your contents. |
Your policy continues for the remainder of the period of cover. |
the damage or loss is likely to be greater than your contents amount covered, we decide to … |
pay the amount covered for your contents. |
Your contents cover including the legal liability cover it provides comes to an end.
We also pay, where relevant, any outstanding additional benefits. Because our payment meets all our obligations to you in full, there is no refund of any portion of the premium.
If you wish to reinstate your contents cover, please call us on 13 22 44. |
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 replacement; and undertake progress inspections if required.
Obtaining our written authority for the repair of your contents
You must not authorise the repair of your contents, 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,
providing other relevant documents,
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.
You must tell us if you become aware of any demands, court proceedings or offers of settlement.
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 or be entitled to recover from you any monies paid under the claim.