General Insurance Broker Claims Support: What to Expect
A general insurance broker can help you prepare a claim, organise supporting information and communicate with the insurer. The insurer assesses the claim against the policy terms. This guide explains the broker’s role after an incident and how to prepare for a claims-support conversation with ABS.
How a general insurance broker assists with claims
Protect people first, take reasonable steps to prevent further loss where safe to do so, and notify the appropriate parties promptly. Keep records: photographs, invoices, reports, witness details, correspondence and a timeline of what occurred can all be important.
How a broker may assist
- Confirming the policy and the relevant insurer contact details
- Helping identify the information the insurer may require
- Liaising with insurers, assessors and other parties during the process
- Explaining the practical stages of the claim and keeping the client informed
- Assisting with renewal discussions after a significant claim
A claim is governed by the policy
No broker can guarantee a claim outcome. Whether cover responds depends on the policy wording, the facts, exclusions, conditions, disclosure and the insurer’s assessment. Prompt, accurate notification is usually important.
Claims can be more complex for transport businesses
Transport operators may face time pressure when a vehicle, cargo or equipment is involved in an incident. Depending on the circumstances, commercial motor insurance, transit cover and liability issues may all need to be considered. ABS’s transport insurance experience helps focus the discussion on the operational realities of the business.
Build claims support into your insurance decision
When comparing general insurance options, do not only ask about premium. Ask what claims support will be available and who will be your contact. ABS Insurance Brokers provides support across the insurance lifecycle, from arranging cover through to the claims process. Start with the general insurance hub or speak with an ABS broker in Sydney.
This article provides general information only and does not take account of your objectives, financial situation or needs. Insurance availability, terms, conditions, exclusions and premiums depend on the insurer and your circumstances. Consider the relevant policy wording and seek personal advice before making a decision.
