How to start your insurance claim?

Jeffrey Liu
Feb 15, 2025
2 min read

Updated: Jul 11, 2025

Starting an insurance claim can seem daunting, but understanding the process can make it much more manageable. Whether you’re dealing with home, car, health, or travel insurance, knowing the steps to take can help you navigate the claims process smoothly.

Here’s a comprehensive guide on how to start your insurance claim in Australia.

1. Understand Your Policy

Before initiating a claim, it’s essential to review your insurance policy.

Coverage Details: Familiarize yourself with what is covered and what is excluded in your policy.
Claim Limits: Check the limits on claims to understand how much you can claim.
Excess Amount: Know the excess you will need to pay before the insurance kicks in.

2. Gather Necessary Documentation

Collecting the right documentation is crucial for a successful claim.

Personal Information: Have your policy number, personal identification, and contact details ready.
Incident Details: Document the specifics of the incident, including dates, times, and locations.
Evidence: Collect photos, receipts, police reports, or any other relevant evidence that supports your claim.

3. Contact Your Insurance Provider

Once you have your documentation in order, it’s time to contact your insurance provider.

Claim Notification: Inform them that you wish to make a claim. Most insurers allow you to do this via phone, online, or through their mobile app.
Provide Details: Be prepared to provide all necessary details about the incident and your documentation.

4. Complete the Claim Form

After notifying your insurer, you will likely need to complete a claim form.

Accurate Information: Fill out the form accurately and thoroughly to avoid delays.
Signature: Ensure you sign the form where required, as this may be necessary for processing your claim.

5. Submit Your Claim

Submit your claim along with all supporting documents.

Submission Methods: Check with your insurer on how to submit the claim (online, email, or postal mail).
Keep Copies: Retain copies of all documents submitted for your records.

6. Follow Up on Your Claim

After submission, it’s essential to follow up on your claim.

Claim Reference Number: Keep track of your claim with the reference number provided by your insurer.
Regular Updates: Don’t hesitate to contact your insurer for updates on the status of your claim.

7. Understand the Outcome

Once your claim has been assessed, your insurer will communicate their decision.

Approval or Denial: Understand the reasons for the decision, whether it’s approved or denied.
Appeal Process: If denied, inquire about the appeals process if you believe the decision was incorrect.

Conclusion

Starting an insurance claim in Australia involves understanding your policy, gathering the necessary documentation, and following the proper procedures. By taking these steps, you can streamline the process and increase the likelihood of a successful claim. Always remember to keep communication open with your insurer and seek clarification on any aspect of the process that you do not understand.