Understand your policy

It all starts with a thorough understanding of your insurance policy. 

Make sure you get familiar with what is covered under your policy and what isn't. It’s a good idea to read through the terms and conditions, and pay close attention to any policy exclusions, limitations or waiting periods that may be specified. This allows you to gauge the extent of cover you can expect – which is essential when making a claim. 

Do you find the insurance jargon complicated? Get in touch: we are here to help you demystify any complex terms or phrases and answer any questions you may have.

Keep accurate records

It’s important to maintain a comprehensive and current record of all relevant documents. For life, health or income protection insurance, for example, make sure you have easy access to all your medical records, employment details, and income information. Organised record-keeping not only helps the claim process, but also maximises the accuracy of your claim. 

Be prompt in claiming

While there’s usually no time limit for making a claim, the earlier your claim is filed, the sooner it can be processed and any payments for accepted claims can be made. Plus, it’s when details are fresher in your memory and records are easier to find. Prompt filing also allows us to step in early: we can then facilitate effective communication between you and the insurer, and address any questions that may arise. 

Provide complete information

When filing a claim, it’s crucial to provide complete and accurate information, as any ambiguity can complicate the process. So, take the time to gather all the necessary details. Once again, we can help you by working with you to complete your claims application. 

Seek expert help: we’re in your corner

As your insurance advisers, our experience and expertise is at your disposal throughout the claims process – from interpreting your policy terms through to assisting with claim submission and, if needed, advocating for you during claims negotiations with the insurer.

The claims process can often seem overwhelming, but having professional guidance can significantly lighten the load. If you ever find yourself in the position of needing to make a claim, don’t hesitate to contact us. We’re in your corner.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Insurance Link (NZ) FSP 446867 is authorised by that licence to provide financial advice. Please visit www.insurancelink.co.nz/available-disclosure for more information and Disclosure information.