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Make a claim on home & contents insurance.

Follow these steps to make a claim on your home (including landlord) and contents insurance policy.

How to make a claim.

Claim online here.

(This link will take you to our underwriter, IAG’s claim form).

It'll only take about 7-10 minutes. The information will be reviewed and you’ll get a response as soon as possible to advise next steps.

Contact us for emergency assistance 24 hours a day, 7 days a week.

0800 309 378

If overseas, call +64 9 308 1101 

Fire, flood, storm or earthquake claims.

  • Contact Fire, Police and Emergency Services on 111 for events where there is an immediate threat to property or life, such as fire, flood and storm emergencies.
  • Make sure you and your family are safe. Follow instructions from the Police and Emergency Services or Civil Defence.
  • Record any damage, no matter how small, before beginning a clean-up, repairs or removing debris. Take photos or video as proof.
  • Try and take precautions, only if it’s safe to do so, to prevent any further loss or damage to your property:
    • turn off the water or gas if it could be leaking; contact a licensed gas worker to turn mains gas back on
    • board up broken windows
    • put tarpaulins over holes in the roof or walls
    • get essential services such as toilets and water systems repaired as soon as possible.
  • Contact us if you require emergency repairs or urgent assistance because:
    • There is no power or running water to the property
    • Local authorities will not allow you to access or live in your home
    • You're unable to close or lock all windows and doors
    • There is water damage to your home or contents
    • There is an opening in the building which allows the elements in (e.g. a hole in the roof).
  • If costs are involved, give us a call first, unless it’s an emergency – in that case just keep any receipts you may be able to claim for a reimbursement.
  • Keep hold of any receipts, photos, valuations, serial numbers, any other information such as warranties. You may need them at claim time.

IAG’s Disaster Claims Hub.

This is an online resource created by our underwriter, IAG, to help you prepare for and recover from natural disasters. You can find a range of information about what happens during the insurance claim process, frequently asked questions, and ‘how to’ videos. Visit the Disaster Claims Hub here. 

If you’re burgled or your property or belongings are lost or damaged.

  • Contact the Police on 105 for non-emergency events such as malicious damage, or theft that has already occurred with no sign of immediate threat. They’ll give you an incident number which you’ll need to make a claim.
  • Record any damage no matter how small before beginning clean-up or removing debris. Take photos as proof.
  • Try and take precautions if it’s possible, to prevent any further loss or damage to your property.
  • If costs are involved, give us a call first, unless it’s an emergency – in that case just keep any receipts you may be able to claim for a reimbursement.
  • Keep hold of any receipts, photos, valuations, serial numbers, any other information such as warranties. You may need them at claim time.

How does the claims process work?

1

Lodgement

Make sure you supply as much information as possible, including any proof of purchase details when making a claim. What we might ask when you claim:

Home
• What damage or loss has occurred.
• When it happened.
• What caused it or how it happened.
• Steps you’ve taken to prevent further damage.

Contents
• What damage or loss has occurred to your belongings.
• When, where and how it happened.
• Steps you’ve taken to prevent further damage or loss.
• If there’s any outstanding finance on the items you’re claiming for.
• Age of the item or items you're claiming for.
• Approximately when and where you bought them from.

Helpful information
• Receipts, photos, valuations, serial numbers, any other information such as warranties.
2

Assessment

Our team will use the documentation you’ve provided and keep you updated during the assessment process.
3

Outcome

If your claim is valid, we’ll pay your claim up to the amount insured in your policy, under the benefit you’ve claimed under.

Questions you might have.

Things you should know.

¹ Access to the Cordell Sum Sure Calculator is provided for your assistance only. The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated reconstruction cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated reconstruction cost provided by it may not be appropriate for you and you will need to assess this given your knowledge of your property. A number of qualifications apply to the estimated reconstruction cost and a full set of these are contained in the terms relating to this website. Neither IAG New Zealand Limited (“IAG”) (or a relevant related company, as the case may be) nor Westpac Banking Corporation ABN 33 007 457 141 nor Westpac New Zealand Limited (“Westpac”) (or a relevant related company, as the case may be) take any responsibility for the estimated costs provided by CoreLogic nor any liability for the accuracy of or reliance upon or use of, the costs. Access to Cordell’s calculator is provided for your assistance only. Westpac accepts no responsibility for the availability of the Cordell Sum Sure calculator.

² The Contents Sum Insured calculator is provided by Sum Insured Pty Ltd (‘SI”) and provides an estimate sum insured for your contents. This is general information and not financial advice and it does not take into account your particular situation. You must make your own decision on the sum insured that is appropriate for your circumstances. View Sum Insured Pty Ltd’s privacy policy.

Westpac Home, Contents, Vehicle and Boat insurance cover is arranged by Westpac New Zealand Limited (“Westpac”) and underwritten by IAG New Zealand Limited (“IAG”). None of Westpac Banking Corporation ABN 33 007 457 141, Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, IAG or any member of the IAG group of companies. Westpac will receive commission payments as a result of the arrangement of IAG insurance policies. For IAG's financial strength rating visit westpac.co.nz/insurance-rating. 

Westpac accepts no responsibility for the availability or content of any third-party websites and makes no representation as to the accuracy or currency of the materials.

Terms, conditions, exclusions and limits apply. More detail can be found in the policy document; visit westpac.co.nz/hcvb-policy or call 0800 809 378 for a copy.

Any claim payment is subject to your claim being accepted.

Eligibility criteria apply to discounts. Discounts are applied to the base premium before add-ons, levies, and GST are added. If you get two or more discounts, these may be applied one after the other. Any discount may apply in part, or not at all, if your premium is below our minimum level. Discounts can be changed or removed at any time.