Making a home insurance claim
Whether it’s a robbery, storm damage, fire, flood* or something else – an event that prompts a home insurance claim can be stressful.
That's why at AAMI, we try to make the claims process simple.
How to make an AAMI Home Insurance claim
What you’ll need before you claim:
- Your AAMI Insurance policy number.
- A description of what happened (including the date, time and location).
- Police report details (if applicable).
- Proof of value and ownership for contents items.
If you don’t have all of these on hand right away, don’t worry. Start your claim anyway and get the ball rolling; we’ll let you know if anything else is needed. Read the PDS for more information.
Make a claim online
To make a claim online, sign into your AAMI My Account or click here to start the claims process.
All you'll need to do is:
1. Fill in your policy details.
2. Tell us when and where the incident occurred and what happened.
3. Enter details of any damaged items.
4. Upload relevant pictures and documents.
5. Submit your claim.
Once your claim is submitted, we'll be in touch.
Use the AAMI App
Good news! You can can lodge a claim with the AAMI App.
You’ll be able to add incident details and upload photos to the app directly from your mobile or device.
Give us a call
Sometimes you just need to speak to a living, breathing person — we get it! Call us on 13 22 44 and we’ll talk you through the process.
After making a claim
After you lodge a home insurance claim — whether it’s in-app, online or over the phone — you’ll be able to track your claim in the AAMI App or your AAMI My Account.
You’ll be able to manage your claim from the comfort of your home. If your claim is accepted, you can pay your excess online by card, view the details of your authorised repairer, chat online to claims assistants and more.
How long do I have to make a home insurance claim?
Report your AAMI Home Insurance claim as soon as you can. AAMI Home Building Insurance does not cover additional losses, damage or liability caused by your delay.
Being prepared for a home and contents insurance claim
It’s always a good idea to prep for a claim before you need to make one.
Creating a home and contents inventory is a great place to start. This way you’ll have all your belongings accounted for, so you’re not left scrambling at claims time. Your inventory is also a helpful way to gauge whether you have the right sum insured to cover your belongings in an insured event.
AAMI Home and Contents Insurance can cover certain specified items under its ‘Extra Cover Portable Valuables Specified Items Cover – for an added premium. If we agree to cover an item, it’ll be covered up to the full specified value listed on your certificate of insurance. So, if you have expensive watches or jewellery that you wear away from home, you may want to consider this optional cover.
Read more:
- Home insurance for renters: Do you really need it?
- How to save money on home and contents insurance
- A guide to your jewellery insurance options
*We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm).
Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.
The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.