MAKE A CLAIM FOR
Business Insurance
AAMI is the trusted insurer of more than 70,000 Aussie businesses.
How to make a business insurance claim
Introducing Express Settlements with AAMI.
Benefits:
- The Express settlements process applies to claims of up to $15,000 lodged online and by email
- Receive an express settlement1
- Claims lodged online will receive a claim number within 4 hours of lodgement2
- We will keep you informed via Online status updates2
What we need from you:
Each claim is assessed on its merits and therefore, the documentation requirements may vary from claim to claim3.
- Policy number
- Date of loss and approximate time of loss, if known
- Location of the loss
- Detailed description of the loss including details of what has been affected
- A quote or invoice to quantify loss
- A report from a qualified repairer for building and equipment breakdown claims
- Insured’s premium must be paid, and cover must apply for loss
- ABN & ITC% confirmed
- For an express settlement, EFT details can be provided on lodgement
The above documents and information must be provided when lodging your claim. We may also require that you provide further documentation to AAMI.
What next?
We will promptly review your documents and information and where able progress your claim to a timely settlement.
Disclaimers
- Subject to sufficient information being provided. Only available for Commercial Property and Specialty claims, excludes Motor and Home claims.
- Only available for Commercial Property and Specialty claims, excludes Motor and Home claims. Only available for claims lodged Online.
- Subject to change dependant on the claim circumstances.
Other useful resources
Frequently asked questions
1. Event (Loss occurred)
When making a claim, please provide as much detail as possible to help us understand how we can best support you.
Online lodgement is the most efficient way to make a claim.
- Receive a claim number within minutes1
- Average non-event response time is 5 business hours2
- Track the progress of your claim online with regular status updates3
- A digital copy of your claim will be sent to your nominated email address
Disclaimers
- Instant claim number is available for all Commercial Property and Specialty (Business Insurance) claims. Home, Motor and Commercial Motor claims don't receive an instant claim number but can still be lodged online.
- Information is current as at 20/12/2022. Response times may increase during major events such as natural disasters.
- Status updates are available via the emailed link received upon lodgement for Commercial Property and Speciality claims only.
2. Review
We take it from here, assessing your claim to confirm it is covered by your policy.
From here your claim may result in:
3. Repairs
We arrange repairers, builders or assessors, as required. Our suppliers will contact you within 48 hours of our appointment – subject to change during event periods – and if you’re happy with their assessment, repairs can commence. The time it takes to finalise repairs will depend on the event, availability of our repairers and materials.
4. Settlement
If repairs aren’t applicable, or you want to arrange your own, we may cash settle the claim. The settlement amount is based on our repairer’s best quote, which has been carefully reviewed to ensure you’re receiving a fair and reasonable settlement.
An excess is your contribution towards the cost of a claim and is a requisite policy condition. Effectively, the excess is the amount you self-insure. Your cover starts once insured loss or damage exceeds the excess. The excess will depend on the circumstances of the claim.
Some Additional Benefits and Optional Covers have their own excess, in addition to any other excess that may apply. When multiple excesses apply, you might have to pay more than one excess.
The amount and details of each applicable excess is shown on your Policy Schedule. Information on how and when an excess applies can also be found in the Product Disclosure Statement (PDS).
When you make a claim, and depending on the claim type, you can pay any appliable excesses in one of the following ways:
- All claim types – you pay directly to us.
- Repairs authorised - in some instances, and before repairs commence, you pay the appointed repairer or supplier.
- Cash settlement – the excess is deducted from the claim settlement amount.