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How general insurance works

Being prepared is easy

Getting insurance

The best thing to do when sorting out your insurance is to get in contact with an adviser and talk through your options. They’ll be able to work out what would suit you best based on the protection you are wanting and information you provide. They’ll then provide you with a quote and if it appeals to you, all that’s left to do is to complete your standard declarations. Once your insurer agrees, you’re covered. 

How premiums are calculated

Your premium is calculated by working out how much risk there is of the insured event occurring to the item you’re insuring. The more likely the event is to happen, the higher the risk to the insurer and, as a result, the higher the cost of your premium.

What to do if something goes wrong

If something does go wrong and you need to make a claim, the best thing to do is to call your insurer or adviser right away and they can work through the next steps with you.

Generally the claims process works as follows:

  1. An unexpected event happens which damages something you have protection for. Generally, the earlier you get in contact with your insurer the better.
  2. The claims team will discuss with you the event, the impact and in most cases let you know straightaway whether you’re covered under your policy. Having your policy number, and as much detail of the claim (and if possible photographs) on hand when you call usually helps to speed things up.
  3. A consultant will assess your claim and will get in contact with you after a certain time to let you know the outcome, or they might request some more information. Always remember to ask for expected timeframes to resolve your claim or move to the next step.
  4. Once approved, the insurer will pay or organise to get things sorted.

Even if everything goes smoothly, there may be a delay from when you make the claim to until you receive the payment. That’s because insurers generally need to assess every claim request to a certain level of detail so it’s fair for all policyholders. 

It pays to stay covered

When you get insurance, you’re taking up an ongoing expense just like rent or the costs to keep your car going. It’s recommended to factor the costs of premiums into your budget so you can be confident in your decision. You can’t predict when you may need to make an insurance claim, so it’s important that you can maintain premium costs for the long term.

Before taking up new insurance, it helps to assess any other insurances you currently have to avoid any unnecessary overlaps. Make sure your level of cover accurately reflects the value of the items you’re insuring.

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Explore the types of general insurance AMP offers

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Important information

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The provision of cover under AMP policies is subject to the underwriting criteria that may apply at the time.

A disclosure statement is available from your adviser, on request and free of charge.