Car
accident

Get safe and check everyone is ok. Move off the road and call 111 if you or anyone else needs immediate help.

Login to start claim

Stolen
car

You can only lodge car accident claims online, so give us a call and we'll get you sorted.

Call us on 0800 80 24 24

Windscreen and
glass damage

You can only lodge car accident claims online, so give us a call and we’ll help get you sorted ASAP.

Call us on 0800 80 24 24
Just been in an accident and need an urgent tow? Call our team on 0800 80 24 24

Lost
contents

Call us on 0800 80 24 24 or start your claim online and we'll get back to you to lodge your claim

Lost contents claim

Stolen
contents

Call us on 0800 80 24 24 or start your claim online and we'll get back to you to lodge your claim

Stolen contents claim

Damaged
contents

Call us on 0800 80 24 24 or start your claim online and we'll get back to you to lodge your claim

Damaged contents claim

Home claim

Call us on 0800 80 24 24 or start your claim online and we'll get back to you to lodge your claim

House claim

Business claim

Give us a call and we'll help get you sorted.

Call us on 0800 80 24 24

Travel claim

Our travel insurance policies are underwritten by CoverMore. To make a claim, simply log in to the CoverMore online claims centre and lodge your claim online. If you prefer to talk to us, you can call us on 0800 500 225.

Travel claim

Life insurance claim

Our life insurance policies are underwritten by Sovereign Assurance. To make a claim, simply call a Sovereign claims specialist. They will let you know what information is needed to proceed with your claim.

Call the team on 0800 500 195

What you need to know about making a claim

What to do in an accident

Stop the car – make sure you and anyone else involved is unhurt and move off the road safely. If any people or animals are injured, you’ll need to report the accident to the police within 24 hours. If animals are involved and you can’t find the owners, call the SPCA or police as soon as you can.

Get details – Get the other drivers’ and any witnesses details, including name, phone number, registration number and insurance details. Take photographs of the accident and damage, including the surroundings and any other vehicles involved. You can keep track of all the claim details of your accident in one place using Crash Notes on the State app.

Don’t accept blame - And if your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 80 24 24.

Suspected theft or intentional act - If you think your car has been stolen or intentionally damaged, report it to the police. They’ll give you an incident reference number that you’ll need to make your claim.

What’s an excess

An excess is the amount you pay towards your claim. You can find your excess on your policy documents or by logging into your My State account.

Login to My State to see your excess
How we'll deal with your online Claim
  • Once you’ve lodged your claim online we’ll review all the information as quickly as possible.
  • Within 2 business days, we’ll be in touch to recommend next steps to keep you moving.
  • If your claim has been accepted and once the car has been assessed by one of our State approved repairers, they’ll be in touch with you directly to get your repair sorted.

What we’ll ask

  • What damage or loss has occurred
  • When, where and how it happened
  • Steps you’ve taken to prevent further damage
  • If there’s any finance on the item/s you’re claiming for
  • Age of the item or items your claims for
  • Approximately when and where you bought them

Helpful information

Receipts, Photographs, Valuations, Serial numbers, any other information such as warranties

Try to prevent further damage

If possible try and take precautions to prevent any further damage, but if costs are involved give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim a reimbursement.

Suspected burglary, theft or intentional act

If you think your contents have been stolen or intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim.

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 80 24 24.

What’s an excess

An excess is the amount you pay towards your claim. You can find your excess on your policy documents or by logging into your My State account.

What we’ll ask

  • What damage or loss has occurred
  • When it happened
  • What caused it or how it happened
  • Steps you’ve taken to prevent further damage

Try to prevent further damage

If possible try and take precautions to prevent any further damage, but if costs are involved give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim a reimbursement.

Suspected burglary, theft or intentional act

If you think your home has been intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim.

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 80 24 24.

What we’ll ask

Because our business insurance is tailored to your business, and because every business is different, the information we need from you to help process a claim will vary. Call us on 0800 80 24 24 so we can get your claim underway and let you know what information we may need.

Try to prevent further damage

If possible try and take precautions to prevent any further damage, but if costs are involved give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim a reimbursement.

Suspected burglary, theft or intentional act

If you think your home has been intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim.

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 80 24 24.

What we’ll ask

  • When and where the event happened
  • Other details about your claim such as if someone else was involved, whether you contacted the police or a doctor
  • Details of expenses.

You’ll also need to provide accounts and receipts for all the costs you’re claiming for.

For medical expenses and medical-related expense claims

  • What happened, when and where the event occurred
  • Full details of the injury or illness, including symptoms (if any) and whether you’ve suffered it before
  • The amount and type of medical expenses you're claiming for.

You’ll also need to supply a doctor’s certificate.

For personal effects, money and documents claims

  • Proof of purchase, date and price
  • The replacement cost
  • Acknowledgment of loss or damage from the police or transport provider.

What’s an excess?

An excess is the amount you pay towards your claim. You can find your excess on your policy documents.

For 24 hour emergency assistance, call us on the toll free numbers below

New Zealand: 09 300 8580
Australia: 1800 810 095
United Kingdom: 0808 234 4360
United States: 1866 894 5264
Canada: 1877 416 3486
All other countries: +64 9 300 8580

What we’ll ask

  • A death certificate
  • A coroner’s report, if one was issued
  • A completed discharge form
  • A pre-printed deposit slip for the account that the benefit is to be paid into.

If the person who is insured was the sole owner of the policy, Sovereign will also need the grant of administration – probate or certificate of administration, or letters of administration.

For a living cover or terminal illness claim

You’ll need to provide proof of the condition or illness that you’re claiming for, such as medical reports or other information.

For an Injury insurance claim

You’ll need to provide details of how, when and where the injury was sustained, as well as evidence of the injury such as medical reports. For more information, please call 0800 500 195.