When the unexpected happens—whether it’s an accident, storm damage, or property loss—knowing what to do next can make all the difference. Lodging an insurance claim can feel overwhelming, but with the right steps (and the right support), the process becomes simple.
At Gardian Insurance, we take the hassle out of claims by supporting you from start to finish. Here’s our clear step-by-step guide on how to lodge an insurance claim.
Step 1: Make Safety Your Priority
Your wellbeing always comes first. Before thinking about insurance, make sure you and those around you are safe. If it’s an emergency, contact the relevant authorities:
🚓 Police
🚒 Fire
🚑 Ambulance
Step 2: Prevent Further Loss or Damage (If Safe)
Once safety is established, take reasonable steps to reduce further damage. Examples include:
Covering broken windows or damaged roofs with tarps
Arranging towing if your car is unsafe to drive
Switching off utilities if needed and safe
Moving undamaged belongings to a protected area
💡 Pro Tip: Keep receipts for any emergency repairs—these may be reimbursable.
Step 3: Contact Gardian Insurance & Lodge Your Claim
The sooner you notify us, the faster we can help. Reach out to our team and we’ll guide you step-by-step.
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Claims Team: 07 4957 7424
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Email: [email protected]When you contact us, we’ll:
Provide the correct claim form
Pre-fill as much information as possible for you
Explain what supporting documents are required
Review everything for accuracy before submission
Step 4: Documentation & Assessment
While we handle insurer communications, you’ll need to gather:
📷 Photos or videos of the damage (if safe)
👥 Witness or third-party contact details
📄 Police report numbers (if applicable)
🧾 Receipts, invoices, or proof of ownership
Your insurer may then:
Review the claim details
Appoint an assessor to inspect the damage
Request quotes for repair or specialised reports
Seek additional documentation
We’ll keep you updated throughout and advocate on your behalf for a fair assessment.
Step 5: Claim Resolution
Once the assessment is complete, your claim outcome may include:
✅ Repairs arranged through approved suppliers
✅ Replacement of damaged property
✅ A cash settlement
✅ A combination of these options
We’ll explain the outcome clearly and ensure everything aligns with your policy coverage.
Why Lodge Your Claim with Gardian Insurance?
Lodging directly with an insurer can be stressful. With Gardian Insurance, you’ll have a broker in your corner. We:
Advocate for your interests at every stage
Handle paperwork and insurer negotiations
Provide clear explanations of your cover
Support you from notification to settlement
Use our expertise to achieve the best possible result
✅ Quick Tip: Save our claims contact details in your phone now (refer to step 3)—you’ll thank yourself later.
👉 Need to lodge a claim today? Contact Gardian Insurance and let our experienced team guide you through the process from start to finish.
