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Make an insurance claim online quickly and easily 

Submitting a claim with us has never been easier. Our new and improved online claims lodgment process allows you to make a claim quickly and conveniently, no matter the time of day. You can lodge your claim 24/7, from any device, and instantly receive a claim number for easy tracking. If you’re wondering how to claim insurance efficiently, our streamlined system allows you to spend less time on paperwork and more time getting back to normal.

Instantly lodge your claim online

Reduce the time it would take to settle a claim by submitting your claim online

Upload supporting documents

We require certain information to assess your loss and we’ll include prompts to help you along the way

Start & revisit the claim process later

Don’t have all your supporting documents ready? We’ll provide you with a link so that you to go back into the online claim later

Lodge claim & receive an instant claim number

Once all information is provided, lodge your claim and receive an instant claim number

Types of claims you can make

We understand every claim is unique, so we offer coverage for a variety of scenarios. Here are some common claims you can lodge with us, from tenant damage to tenant default insurance:

Tenant damage

Whether accidental or intentional, damage caused by tenants can be costly. Our Tenant Damage coverage helps you repair or replace damaged property elements, such as walls, floors, fixtures or appliances. We’ll help get your property back to its original condition to minimise downtime and preserve its value.

Escape of liquid

Leaks from burst pipes or faulty appliances can cause extensive water damage. We cover repairs for resultant damage from water that may have caused damage to walls, floors, ceilings and furnishings. 

Electric motor burnout

Electric motors in essential appliances, such as air conditioners, refrigerators or pool pumps, can fail unexpectedly. If you’re wondering how to claim insurance for these types of issues, this claim covers repairs or replacements for burnt-out motors so your property continues to operate smoothly without costly delays.

Storm or rainwater damage

Storms can cause significant damage to homes, from leaking roofs to fallen trees. Our Storm Damage coverage helps repair or replace damaged roofing, exterior structures, and property affected by rain, hail and strong winds. We aim to get your property back to its best after severe weather events.

Tenant Default

If your tenant defaults on rent or vacates the property early, our tenant default coverage helps protect your rental income. With our tenant default, you’re covered in situations where tenants stop paying due to financial issues, abandon the property or are evicted. This helps you stay financially secure while addressing any tenant-related disruptions.

What happens after you lodge a claim

Once your claim is lodged, we will:

  • Review the details and documents provided to assess the extent of the damage or loss
  • Arrange for an assessor to inspect your property, if necessary
  • Provide guidance on how to claim insurance to help you understand every step of the process. Keep you informed at each stage, ensuring a prompt resolution. Work with you to provide the appropriate payout or repair service, helping you get back on track as soon as possible

Supporting documents and information you might need

To ensure we can process your claim quickly, it’s important to gather the right documents. Depending on your claim type, this could include:

  • Photos of the damage
  • Rental agreements for tenant default claims
  • Receipts or proof of ownership for damaged items
  • Reports from professionals (such as plumbers or electricians)

For example, if you’re making a tenant default claim, you may need to provide a signed rental agreement and proof of tenant default or eviction. We’ll guide you throughout the lodgment process to help you gather everything required to submit a complete and accurate claim.

Get in touch with Property Insurance Plus — we're here to help!

If something goes wrong, we at Property Insurance Plus are here to help, with a team of claims specialists to support you throughout the process and get you back on track as soon as possible. As soon as you become aware of any loss, damage or liability, please let us know right away. We’ll advise you on the next steps and explain how to claim insurance effectively. If needed, we may arrange for an assessor to inspect your property.

FAQs

Once you lodge your claim, it will be allocated to a specialised claims consultant. If you’re wondering how to claim insurance or what to expect next, here’s an overview of the process:

  • Review your lodgement, together with the information, photos & documents you have uploaded
  • Send you an email within two business days to introduce themselves and explain the claims process. They may also ask you for any further information or documentation they need to support your claim.
  • Provide you with an email update at least every 20 business days, explaining how the claim is progressing and what actions are being taken
  • Assess your claim against the terms, conditions & exclusions of the policy, and deliver a claim decision within 10 business days of all necessary information being provided

Our specialised team aims to resolve your claim within the minimum amount of time possible, and under normal circumstances, a claim will take between 5 days and 4 months to resolve. If you’re learning how to claim insurance, it’s important to understand that some cases may require more time. In situations where we’re unable to meet this timeframe, we will keep you informed and provide an alternative timeline. These instances include:

  • Where the claim is complex, and/or when the services of Assessors or Experts are required
  • Where works have been authorised and are in the process of being completed
  • When there is a catastrophic event, where claims may take up to 12 months due to remoteness, scarcity of resources and/or unavailability of trades

These items provide important details about what you’re claiming, the severity of the damage or loss and the estimated value of the claim. For example, if you’re submitting a tenant default claim, you may need to provide a rental agreement, proof of tenant default or eviction notices. Supplying this information allows us to review your claim quicker and advise you of the next steps as soon as possible. If you are unable to provide this information, please let us know so we can work with you to find a solution.

Not all claims will need to have an assessor appointed and in most cases your claim can be finalised based on the information you provide to our office. When navigating an insurance claim, it’s helpful to know that assessors are appointed in certain situations, such as:

  • How severe the damage is
  • If the claim is arising from a Catastrophe event
  • Whether the Assessor could assist to speed up the claims process
  • If the cause of the loss/damage is unclear from the documents you have provided, and we need to investigate further

If we determine that an independent assessment is required, we will then appoint a loss assessor, loss adjuster, investigator or insurance builder as soon as possible, and will notify you by email on the day we appoint them.

Your dedicated claim consultant will provide you an email update on the progress of your claim at least every 20 business days. If you’re still unsure about any part of the process or how to claim insurance in general, you can call our office and ask to speak directly with your claim consultant. If you have sent an email to your claim consultant, we will respond within a maximum of 10 business days.

We take care to make the right decision on your claim from the outset, and to pay the full amount of your legal entitlements under your contract of insurance with us. If you disagree with the claim decision or settlement amount, you can respond and explain your reasons:

  • We will review your claim within 10 business days, with consideration given to any further evidence you may be able to submit
  • We will either agree to an alternative settlement, if you are able to provide further evidence, or clearly explain the reasons for our decision 
  • We will provide you with our dispute resolution procedures where you are able to further escalate the matter and voice your disputes and/or complaints 

We pride ourselves on our excellent levels of service with our specialised team here to support you as much as possible. We do understand that misunderstandings may occur from time to time, and that we may not always meet your expectations. If this happens:

  • Please feel free to speak to us and voice your concerns. We appreciate any feedback, which helps us improve both our service and how we guide clients through processes like how to claim insurance
  •  If your concern is not addressed to your satisfaction, we may involve a team leader, or the department manager, to help resolve the situation
  • We will always provide you with our dispute resolution procedures, where you are able to further escalate the matter and voice any unresolved disputes and/or complaints

Choose how you would like to contact us

Phone

Call us on 1300 307 072 or
+61 3 9111 0680

You can help us by having the following information available when you call:

Email

Email us on claims@pi-plus.com.au

Please provide the following information in the email: