Make a Claim

We're with you from initial advice of an incident right through to finalisation.

At Markey we believe part of providing you with the highest level of customer service includes assisting with prompt and efficient claims handling.

To ensure prompt and efficient handling of your claim, we would appreciate it if you could notify us of all incidents that may result in a claim to enable us to monitor the claim on your behalf until finalisation.

Notify us of a claim

From your initial advice of an incident right through to finalisation of a claim we will:

  • Assist you with filling out forms and any aspect of making the claim where there are no forms.
  • Represent you to the Insurer to ensure fair and reasonable settlement of your claim.
  • Help you to take steps to ensure any future exposure is limited and does not continue following an incident.

Any occurrence that could be likely to give rise to a claim should be reported immediately to our office.

  • Do not admit liability to a Third Party for loss or damage or injury.
  • For small losses your insurer will generally require you to obtain 1 quote for repair/replacement and a damaage report from a qualified tradesperson.
  • Take all reasonable precautions to prevent further loss, damage or liability. This may include carrying out emergency repairs.
  • Contact the police as soon as possible to report any theft, attempted theft or damage.
  • For large losses, your insurer will require an assessor to be appointed. Please notify us immediately if this is the case.

Claims Submission Guide

This section has been prepared as a guide to handling claims. It does not, however, override policy conditions or statutory requirements that may apply from time to time.

Your account manager is always available to offer advice on claims management and notification proceedures. Any claim or circumstance that may give rise to a claim should be reported to us as soon as possible. The only exceptions to this are Worker's Compensation and Motor Vehicle claims, where separate processes apply as detailed in the following pages.

Failure to promptly report a claim may prejudice your right to indemnity due to a breach of policy conditions.

Please refer to your policy to establish whether any excess applies. If loss or damage is minor, the claim may fall under your policy excess and therefore be excluded.

We recommend that you always discuss the circumstances of each event with your account manager. Some below excess claims have the potential to develop into insurable losses and some may need to be reported to your insurer as a material fact, in accordance with your duty of disclosure.

Your insurer will often appoint a loss adjuster to investigate the circumstances of the event. Always ask for identification and ensure they represent your insurer before providing any information regarding an incident.

The senior fire brigade officer attending the incident will advise you of the service provided by the brigade for temporary protection of buildings or contents.

The police should be notified immediately of any theft or malicious damage. Note the name and station of the investigating officer and take steps to ensure the security of the premises to reduce or contain the loss. Always ensure that any evidence required by investigators or the police is preserved for future reference.

You should always record any incidents that could lead to a Public or Products Liability claim in an incident register. If a claim is presented by a third party accept any documentation on a 'without prejudice' basis and immediately refer it to your account manager.

Never admit liability or offer a settlement to a third party claimant as such action could prevent recovery by your insurer or void cover under the policy.

Witnesses to incidents should be asked for a written statement of the circumstances and provide their name and address for future corroboration if required. If the claim you have received is a court document