Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
Domestic and Family Violence Policy
If you’re in an emergency or unsafe, please call the police on 000.
The safety of our customers and their family members affected by family violence comes first. For support, please call 1800 RESPECT available 24/7 for counselling and support services.
What is domestic and family violence?
Domestic and family violence can happen to anyone. It generally involves violent, threatening or abusive behaviour enacted by a former or current family member, with the intention of coercion or control, causing fear or harm.
Domestic and family violence can include, but isn’t limited to:
emotional or verbal abuse
psychological abuse or controlling behaviour
financial abuse, and
abuse of older Australians
The cycle of family and domestic violence is complex. Survivors may struggle with acute issues at a point of crisis, or ongoing issues in the longer term.
We recognise that everyone’s situation and needs are different. We’re committed to supporting our customers and employees when they experience domestic and family violence.
The purpose of this policy
This policy outlines our processes to help minimise the risk of harm in our interactions with you if you are experiencing family or domestic violence. It ensures our staff can help provide timely, consistent and targeted assistance.
What we can do to help
If you tell us, or we recognise that you are affected by domestic or family violence, we are here to help.
We will ensure employees, agents, partners, distributors and suppliers are appropriately trained so that we can:
minimise the number of times that you need to disclose information about your situation
handle your claims process with the utmost care
prioritise your safety, by protecting sensitive, private and confidential information
refer you to specialist services, and
engage you with sensitivity, dignity, respect and compassion.
We’re committed to respecting your privacy
Privacy can be critical to your safety in any domestic and family violence situation.
Depending on your personal circumstances, we can:
help keep your contact information on our systems secure and confidential
help you manage how your personal information is shared with other parties, and
- discuss safe ways to communicate with you.
Precautions we take when communicating may include:
finding a mutually appropriate time to talk on the phonel
assessing whether it’s safe to send text messages or leave voice messages on the phone, and
- sending information separately — if you’re a joint policy holder, we may need to send information to two different mail or email addresses.
If you’re a joint policy holder
If you hold a joint policy – ie, someone else is named on your policy as well as you – we will:
consider the potential risks to your personal safety and weigh up our obligations relating to joint policy holders
help you take out your own policy — if you want to — to protect your safety, and
ensure we’re paying the appropriate beneficiaries under a policy pertaining to the particular claim and circumstances.
How we handle claims
We endeavour to handle insurance claims with sensitivity, flexibility and care. If you make a claim and we’re informed that you’re affected by domestic and family violence, we train our employees to:
minimise the retelling of your situation
not require you to make direct contact with an alleged perpetrator or notify the police about an alleged perpetrator
ensure that anyone visiting your home or site on our behalf is trained and aware that you may be in danger
be mindful that events that result in insurance claims can trigger violence, and
be flexible in our approaches to accommodate your needs.
Looking after our employees
While providing services to customers is our priority, we also recognise that our own employees can be affected by domestic and family violence. Some measures we take to protect our people include:
encouraging employees to realise the importance of early detection of domestic and family violence issues with customers
training employees in dealing with vulnerable customers, including domestic and family violence survivors, and
providing family violence leave and support services to all of our employees.
We also protect the details of our employees and/or our representatives and provide further training if our employees:
liaise with an alleged perpetrator of family violence
know an alleged perpetrator has access to their personal contact details, and
need to interview or investigate a customer who may be affected by domestic and family violence.
Access to other information and support
For a list of organisations that can help you access support and services, please visit our resources page, which includes:
1800 RESPECT for domestic and family violence
Beyond Blue for mental health support
Lifeline for crisis support, and
Wesley Lifeforce service finder to connect to a range of local services.
Essentials by AAI
If you are unable to afford mainstream insurance cover, there may be a solution for your needs. Please visit Essentials by AAI. Essentials by AAI provides low cost cover for those on low incomes in partnership with Good Shepherd.
Insurance is provided for cars and/or contents insurance only, is limited to low sums insured, and is subject to eligibility criteria.
Insurance issued by AAI Limited ABN 48 005 297 807. Read the Product Disclosure Statement before making a decision about this insurance. Click here for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
“We” are AAI Limited, issuer of general insurance products under the AAMI brand.
For the purposes of these policies “customer” or “you” are used interchangeably to mean an individual insured, a third-party beneficiary, a potential customer, or an individual which we as an insurer are seeking to recover from. A customer may be liaising with us on their own behalf or via a duly authorised representative.
General Enquiries - Overseas
Travel Insurance - From Overseas
Report Insurance Fraud