Make a Claim

Our insurers claims service is available 24 hours a day, 7 days a week. Call us at any time and we’ll get the process underway so we get you back to where you were before the event, as quickly as we can.

To lodge your claim online:

Start a Car Claim

Start a Home / Contents or Landlords Claim

Start a Liability





1 300 121 251 (AIG)

For policies starting with PO, QL or PM

1 300 559 019 (IAL)

For policies starting with PHC, PLL, PLH or PMC

Please find below some helpful tips on what to do in the event of an incident, giving rise to a claim.

What to do in the event of a Home, Contents or Landlord Claim

  • Ensure your home is secure and any occupants are safe.
  • Lodge your claim online or by contacting us.
  • Please have all of the incident details handy and the details of what has been affected such as broken windows, a damaged roof or stolen contents.
  • If it is an emergency or your home is not secure, please contact the following numbers for immediate assistance:
    • For policies starting with PO, QL or PM – contact 1300 121 251
    • For policies starting with PHC, PLL, PLH or PMC – contact 1300 559 019
  • In the event of theft or malicious contact the police immediately and obtain a report.

If required you may be asked to provide documentation including:

  • Photos
  • Receipts
  • User Manuals
  • Repair Receipts
  • For Landlord Loss of Rent/Rent Default claims – you will need to provide a copy of a written rental agreement along with the details of the bond held
  • For Landlord Damage – you may be asked to provide copies of damage condition reports. Please retain copies of any property inspections.

We will advise you what further documentation is required so we can process your claim as quickly as possible. We will arrange for an assessor to visit your home where necessary and arrange for a repairer or replacement providers to provide quotations for your damaged items.

When destruction, loss or damage occurs to any item of your Contents, we will do one of the following:

  • Replace the item with the nearest equivalent new item; or
  • Repair the item to the condition it was in at the time immediately before it was destroyed, lost or damaged; or
  • Pay you the cost of replacement or repair. We will decide which one we will do.

What to do in the event of a Car Claim

Please make sure you and anyone traveling in your car is safe. If anyone is hurt call 000 immediately.
Move your car to a safe location if you can but do not leave the scene. If your car cannot be safely driven we can arrange to have your car towed to a safe location.

If you are able to, take many photos of the incident, the location where it occurred including any lane markings, and of the damage to your and any other cars or property. This will assist in the progress of your claim.

If another party is involved make sure to get as many details as possible including their name, address and their insurance details. If anyone saw the accident get their details also.

Lodge your claim online or by contacting us. As soon as you do we will inform you of your claim number and the next steps required. If there is an excess you need to pay we will tell you.

If it is an emergency or if your car is not driveable, you can contact the following numbers for immediate assistance and we will arrange to tow your car to a safe location.

  • For policies starting with PO, QL or PM – contact 1300 121 251
  • For policies starting with PHC, PLL, PLH or PMC – contact 1300 559 019

We have a network of repairers we can recommend for you. You also have the right to choose your own repairer, however we may require a second quote from a repairer chosen by us. In either case we will work closely with the repairer to ensure the best repair outcome for your car.

We will then choose (subject to any relevant Policy limits) to:

  • Authorise the repairs at your repairer of choice; or
  • Pay you the reasonable cost of repairing your Vehicle; or
  • Move your Vehicle to a repairer we both agree will repair your Vehicle.

In the instance that we both agree to move your Vehicle we will provide you with a rental car for up to 3 days in addition to any other benefit provided under your Policy.

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Just a friendly reminder before you start….


Before you enter into a Contract of general insurance with an Insurer, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know, or could reasonably expect to know, is relevant to the Insurer’s decision whether to accept this risk of Insurance, and if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a Contract of general insurance. Your duty however does not require disclosure of matter:

  • that diminishes the risk to be undertaken by the Insurer;
  • that diminishes the risk to be undertaken by the Insurer;
  • that is common knowledge;
  • that your insurer knows or, in the ordinary course of business, ought to know; as to which the compliance with your duty is waived by the Insurer.


If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the Contract. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.

By clicking on the “I Agree” button below, you agree that you’ve read and understood the Duty of Disclosure and website Terms of Use.

Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

If you are not fully satisfied with our services, you should contact our Complaints Officer on 1300 949 834. Brees Insurance Pty Ltd, ABN 49 150 657 113 as an authorised representative of PSC Insurance Brokers (Aust), are members of the Australian Financial Complaints Authority; a free service, and follow the principles of the Insurance Brokers Code of Practice. Further information is available from our office. You can contact AFCA directly on 1800 931 678.

Please be aware that all communication will be via phone, email or text. We do not mail any correspondence.