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Insurance Claim

Insurance Claim

Here’s some information to help you navigate the process:

Understanding Your Coverage:

  • Before filing a claim, review your caravan insurance policy documents (Product Disclosure Statement – PDS) to understand what events are covered. Common coverage includes theft, fire, storm damage, and accidental damage.

Initiating the Claim:

  • Contact your insurance company’s claims hotline immediately. They will guide you through the process and assign you a claim number.

Documenting the Damage:

  • Take clear and detailed photos of the damage to your caravan. If possible, include photos of the surrounding area to establish context.

 

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  • If there are any witnesses to the incident, gather their contact details.

  • Keep all receipts related to any temporary repairs or alternative accommodation you require.

Claim Assessment:

  • Your insurance company might send an assessor to inspect the damage and determine the repair cost. Cooperate fully with the assessor.

Repairs and Settlement:

  • Depending on the extent of the damage, your insurer may:
    • Authorize repairs at a registered repairer.
    • Offer a cash settlement based on the caravan’s market value.

Excess:

  • Be prepared to pay your excess, which is the out-of-pocket amount outlined in your policy that applies to each claim.