How to make a claim

If you need to lodge a claim please contact Coghlans Insurance Brokers who will be able to assist you in gathering all the information required to lodge your claim.

What to do in the Event of a Building, Contents or Landlord claim

  1. Ensure your property is secure and any occupants are safe.

  2. Contact Coghlans to report your claim as soon as possible, advising all the details of the incident and the details of what has been affected such as broken windows, a damaged roof or stolen contents.

  3. In the event of theft or malicious contact the police immediately and obtain a report.


As soon as you pass on the details to us we will lodge your claim and 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 required you may be asked to provide documentation including:

  • Photos

  • Receipts

  • User Manuals, or

  • 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 the insurer 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 or Stock, the insurer will do one of the following:

  • Replace the item with the nearest equivalent new item;

  • 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.

The insurer reserves the right to decide which one they will do.

What to do in the Event of a Motor Claim

  1. Please make sure you and anyone traveling in your car is safe. If anyone is hurt call 000 immediately.

  2. 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.

  3. If you are able to, take some 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.

  4. 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.

  5. Contact your broker to report your claim as soon as possible. If it is an emergency or if your car is not driveable, you can contact Coghlans Insurance for assistance and we will arrange to tow your car to a safe location.


As soon as you pass on the details to us we will lodge your claim and inform you of your claim number and the next steps required. If there is an excess you need to pay we will tell you.


Coghlans Insurance Brokers has 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.


The insurer 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.

© 2016 by Coghlans General Insurance

Coghlans Insurance Brokers Pty Ltd 

Coghlans Insurance Brokers Pty Ltd  (CAR No 1234762) and Damien Hamilton (AR No 1241347) Authorised Representatives for Community Broker Network Pty Ltd

AFSL 233750 ABN: 60 096 916 184

General Disclaimer
This website may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.