What to do when you need to claim
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.
When you claim against the cover we provide for landlord fixtures and fittings and loss of rent (see pages 7 - 8), you will need to provide us with a copy of the strata title building insurance policy covering your lot or unit so we can establish if the cover we provide applies to your claim.
What happens when you claim on your AAMI policy
When you tell us about the damage or loss to your insured property, where necessary and as soon as possible, we arrange:
for our assessor to meet with you, inspect your insured property and confirm the full details of the loss or damage,
temporary repairs to and the securing of your insured property.
We discuss with you what is necessary to make good the loss or damage and then we will decide either to repair or replace your insured property or pay the cost of repairing or replacing the insured property up to the 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.
What happens to your policy when you claim?
| 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. |
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 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.