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Resolving claim or policy disputes

How are claims paid?

If your claim is accepted, your policy will cover one or a combination of:

  • Reasonable costs to repair
  • Reasonable costs to replace property or items with new ones of the same size and specification, as near to the original as possible
  • A cash amount representing what it would reasonably cost to repair or replace the property or items. When a building is not being replaced, the amount will factor in a reasonable deduction for depreciation due to wear and tear, and age.

What proof do I need to prove the value and ownership of the things I’m claiming for?

It’s important to keep records of your possessions and any documents that prove your ownership and the value of the items, in case you need to make a claim. It’s also a good idea to keep these records in a safe place away from your property, for example with a family member.

Should I keep an inventory of my contents?

We recommend you keep an inventory of your contents and review it annually to check if your cover is adequate – you may need to adjust it to cover additional items purchased during the year.

What do I do if I have a complaint or dispute?

If you’re not happy about your policy or our service, let us know and we’ll do our best to resolve your complaint quickly and fairly.

Step 1

Contact one of our insurance consultants to discuss your complaint first on 1300 650 255.

If they’re unable to resolve the matter, they’ll refer it to their team leader or manager who’ll respond to you within 2 business days to acknowledge your complaint, providing their name and relevant contact details and will keep you informed of the progress of your complaint at least every 10 business days and aim to resolve your complaint within 15 business days. If further investigation is required, they’ll discuss an alternative timeframe with you. If an agreement cannot be reached, we will notify you of your right to take your complaint to the next stage. The Team Leader or Manager will respond to your complaint in writing.

Step 2

If you’re not satisfied

If you’re still not satisfied with the outcome, you can contact our Internal Dispute Resolution Officer, who’ll arrange for the matter to be reviewed in accordance with our internal dispute resolution process.


Internal Dispute Resolution Officer
Home and Contents Insurance
GPO Box 4451
Sydney NSW 2001
Phone: 1300 369 989 for claims enquiries
Phone: 1300 650 255 for policy and service enquiries
Fax: (02) 8254 6979

The Internal Dispute Resolution Officer will contact you to acknowledge your complaint, and keep you informed of the progress of your dispute at least every 10 business days. The Internal Dispute Resolution Officer will try to resolve your dispute within 15 business days. However, if further information or investigation is required, they will agree on reasonable alternative timeframes with you. The Internal Dispute Resolution Officer will respond to your dispute in writing.

Step 3

Australian Financial Complaints Authority

You may be able to refer your complaint to the Australian Financial Complaints Authority, including if we haven’t been able to resolve your complaint to your satisfaction, or 45 days have passed since you first told us about your complaint and you haven’t heard back from us. The Australian Financial Complaints Authority provides a free, independent dispute resolution service to consumers for most general insurance disputes. You may lodge a complaint:

Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001


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Things you should know

The information contained in this article is general information only and is not specific to any product.  

It does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to your personal objectives, financial situation and needs to these factors before acting on it.

Terms, conditions and exclusions apply to any insurance product. Please read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding.

Cover is subject to your application for insurance being accepted.

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 89KB)

Home and Contents Insurance Product Disclosure Statement (applicable to policies issued or renewed on or after 5 April 2021) (PDF 461KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies issued or renewed in the period between 1 July 2019 and 4 April 2021) (PDF 339KB)

View the Home and Contents Insurance Key Fact Sheets.

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you.