Making a home insurance claim

The fastest way to make a claim is via NetBank or the CommBank app (CommBank customers only). Alternatively, you can call 13 1361 to lodge a claim via the phone.

1. Prepare your details

To start your claim, you will be asked details about the event including the loss or damage sustained, and information about anyone else involved. 

It's helpful to have ready:

  • Relevant photos
  • Valuation certificates or receipts
  • A police report, in the case of theft or vandalism

If you don’t have this information, you can still lodge your claim.

2. Lodge your claim online in the My Claims Portal 

To access, log on to NetBank or the CommBank App

  • For NetBank, select your policy and click make a claim
  • For the CommBank app, tap ‘Accounts’, then select your policy 

3. Your claim will be assessed

You will receive confirmation via email that your claim has been lodged. 

From there a claims consultant will contact you to obtain any further information required and assist with next steps. 

To learn more about how the claims process and how a claim may be settled, please read the Home Insurance Product Disclosure Statement

Check your policy cover and excess

In the Commbank app and NetBank you can view a summary of your cover details and check your excess(es) (CommBank customers only).

Your full cover details are on your Certificate of Insurance (COI) which is emailed or mailed to you at time of purchase and at renewal.

To access key documents such as the Product Disclosure Statement and the Premium, Excess and Discount Guide, visit the Important documents and forms page.

What happens after I submit my claim?

The claims process differs based on the type of claim and the event that has occurred. 

Assessment of the Claim

After submitting your claim, you'll receive a confirmation.  Hollard’s claims team will then review your details, verify your information, and may request additional information if necessary.

After lodgement, you may expect: 

  • Emergency assistance to secure the property, prevent further damage or provide temporary accommodation.
  • A home claim assessment done by Hollard to determine the cause and the extent of the damage. This can take place virtually or in person at the property.
  • An assessment against your cover details. If required, a detailed scope of works may be prepared.

Then, you will then be advised if your claim has been accepted.

Claim Acceptance

If the claim is accepted, it may be processed through one or more of the following:

  • Approval of repairs for damaged property
  • Replacement of lost property
  • Cash settlement 

This is also when you will need to pay your excess.

For more detail around the claims process, possible outcomes, exclusions and limitations that may apply, please read the Home Insurance Product Disclosure Statement or call the claims team on 13 1361.

Claim Resolution

Resolution of the claim occurs once cash settlement or repairs are completed.

Actions to avoid after an incident

Important information for your claim:

  • Do not approve any repairs, except essential repairs needed to minimise or prevent further loss or damage.
  • Do not dispose of any damaged property.
  • Do not offer compensation or agree to pay damages to other parties.

Need emergency assistance?

You may be able to access a range of tailored support options if you or your business are impacted by recent events.

To discuss your individual circumstances, you can call Emergency Assist on 1800 314 695 or visit a branch where it is safe to do so.

Get help

FAQs

Yes, only CommBank customers who have a NetBank ID can lodge a claim online in the My Claims Portal.

If you don’t have a NetBank ID, please call 13 1361 to lodge your claim over the phone.

You can provide additional details later if you don’t have all information at the time of lodging your claim. 

Your insurance documents are emailed or mailed to you at time of purchase and at renewal.

However, you can view a summary of your policy details in the CommBank app or NetBank anytime (CommBank customers only).

Only emergency repairs required to mitigate further damage should be approved prior to claiming. However, if you have commenced repairs, please let us know when lodging your claim so we inform you of the appropriate next steps.

Hollard has a panel of approved suppliers that are utilised to complete building repairs.

If you would prefer to use your own supplier, please discuss this option with your Hollard claims consultant.

While home insurance  provides broad coverage, there are limits to the benefits available under your policy. 

Please read the Product Disclosure Statement (PDS) to learn what you are and aren’t covered for. 

An Insured Event is an accidental, unexpected or unforeseen event your home insurance provides cover for.

Learn more about an insured event

Where you lodge a claim for loss of or damage to both your building and contents caused by the same Insured Event, only the highest excess will apply.

Keeping your home and contents in good condition and well maintained can help prevent damage and unexpected costs. 

There are some things you can do to lower the chances of something going wrong. Here are some maintenance tips for keeping your home and its surrounds safe. 

Read more

We can help

  • Sales and service

    Call 13 2423

    8am - 8pm, Mon - Fri and 8am - 5pm Sat (Sydney/Melbourne time), or +61 2 9633 9391 from overseas.

  • Claims

    For all claim enquiries, including emergency claims assistance, call 13 1361 anytime or +61 2 8527 5217 if you’re overseas.

Things you should know

  • Home Insurance is provided and issued by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of Hollard or the products Hollard offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Home Insurance policy, CBA is paid a commission which is a percentage of your premium.

    For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination available here.

    This information has been prepared without considering your objectives, financial situation or needs.  You should, before acting on this, consider the appropriateness of the product to your circumstances. A Product Disclosure Statement (PDS) is available at all Commonwealth Bank branches, by downloading them from commbank.com.au or by calling 13 2423 and should be considered before making any decisions about this product. You should also read the Premium, Excess and Discount Guide (PEDG), Key Facts Sheets (KFS), and Financial Services Guide (FSG) by clicking on the links, or by calling 13 2423 for a paper copy.

    Hollard is a signatory to the General Insurance Code of Practice, for more information on the code visit www.codeofpractice.com.au.