Making an Insurance Claim

Personal Effects

In order to process your claim we will ask you to provide:

  • Your policy number;
  • Your name, address & contact phone numbers;
  • Information as to where, when and how the incident occurred;
  • A description of what has been lost, stolen or damaged; and
  • Details of any Police invovlement (where applicable) - this may be a Police report number or the details of the Office and station a report was made to.
What happens next:

Our Claims Consultant will:

Discuss with you any excess or policy limits that may be applicable on the claim.

Consider all information you have provided, and determine how best to assist you with the prompt settlement of your claim.  Depending on the extent and nature of the damage, this may include:

  • Appointment of an assessor - The role of the Assessor is to inspect your property and confirm if the damage is covered.  Your cover is explained in your Product Disclosure Statement. The Assessor will also arrange repair or replacement of your property, ensuring that your claim is settled as quickly as possible. Proof of ownership may be required for some items you are claiming for.  If required, the Assessor will discuss this with you. For some claims, the Assessor may need to report back to us before progressing your claim, but will keep you fully informed if this is the case. If you have any questions about your claim you should contact the Assessor.  If you need to contact RACT Insurance, please phone 13 27 22.
  • Using our preferred repairers or suppliers - In some instances we are able to arrange for the immediate repair or replacement of an item through one of our preferred repairers or suppliers.  You will not need to supply quotes if our preferred repairers or suppliers are used.
  • Request for further information - In the event that you are asked to submit further information (such as a repair report, receipts, quotes or proof of ownership), our staff will send you a reply paid envelope for such items to be submitted directly to our claims department.  If the information is able to be submitted electronically, details will be sent to you explaining how this can be done.  All information sent to us should have your claim reference number recorded on it to ensure that it is processed promptly. 
Important Information:
  •  Any item that we repair has a lifetime guarantee.
  •  If we need to replace an item, we will replace it with a new one.