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 insured property, you help us make speedy and accurate decisions regarding your claim and the repair, replacement or the rebuilding of your insured property. This information helps establish ownership of property and its value and condition and the value of any lost rent you may be claiming
This information includes:
receipts, bank and credit card statements, agreements and reports, valuations and photographs (photographs do not have to be specifically of your insured property; 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 landlord building and/or landlord contents, where necessary and as soon as possible, we arrange:
for our assessor to meet with you, inspect your landlord building and/or landlord contents and confirm the full details of the damage or loss,
temporary repairs to and the securing of your landlord building and/or landlord contents.
We discuss with you what is necessary to make good the damage or loss and then we will decide:
for your landlord building, either to repair or rebuild your building or pay the cost of repairing or rebuilding your landlord building to the same size and standard as your current landlord building.
for your landlord contents, either to repair or replace your contents or pay the cost of repairing or replacing your landlord contents up to the landlord amount covered.
Repairing and/or replacing your insured property
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 replace your insured property. 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 replaces your insured property.
We will enter into any contract with the selected repairer and/or supplier on your behalf. We will oversee the repairs and/or replacement and keep you informed of their progress.
Changes to your landlord building
You can have changes made to the design and structure of your landlord 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?
Damage or loss to your landlord buildings
| the damage or loss can be repaired, we decide either to… |
repair your building. |
Your policy continues for the remainder of the period of cover. |
| or pay the cost of repairing your building. |
Your policy continues for the remainder of the period of cover. |
| the damage or loss can’t be repaired and your building has to be rebuilt, we decide either to… |
rebuild your building. |
Your policy continues for the remainder of the period of cover. |
| or pay the cost of rebuilding your building. |
Your policy, 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. |
Damage or loss to your landlord contents
| the damage or loss is less than your contents amount covered, we decide either to… |
repair or replace your contents. |
Your policy continues for the remainder of the period of cover. |
| 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 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 insured property 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 insured property
You must not authorise the repair of your insured property, 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 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 4 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 (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.