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Make a Claim
Information on how to make a claim, with clear steps and support from the CMCA Insurance claims team.
What happens if you need to make a claim?
If you need to make a claim, we’re here to help. Our claims team is ready to provide guidance and support when it’s needed most. We work closely with repairers and specialists across Australia to help ensure your claim is handled smoothly and fairly.
To lodge a claim, simply complete the online claim form.
If an event occurs that is likely to result in a claim under the policy, the below instructions will help you provide us with everything we need to assess the claim quickly.
This checklist will help you provide us with everything we need to assess the claim quickly.
First you should:
- Do what you can to prevent any further loss, damage, cost or liability
- Notify the police if the event involves theft, attempted theft, malicious damage or impact;
- Take photos of the damage and retain all damaged parts
- Call us on 1300 145 240 or email: myclaims@insurance.cmca.au
You must never without our consent:
- Admit guilt, fault or liability (except where required by law)
- Offer or negotiate to pay a claim
- Authorise or approve any repairs or arrange replacements (other than emergency repairs necessary to minimise or prevent further loss or damage)
- Dispose of any damaged property
We will also require You to:
- Provide Us with the proof that We require regarding lost or damaged items
- Help Us manage the claim, which may include Us inspecting Your Caravan or Motorhome asking You questions, or You providing written statements to Us under oath
- Keep items that have been damaged and allow Us to inspect them or assess repair costs
- Allow Us to take possession of damaged property that is the subject of a claim
- Send Us any communication You receive relating to the claim (including telling Us of pending court proceedings or offers of settlement within 24 hours)
- Help Us as We work to negotiate, defend or settle any claim made under the Policy and to exercise for Our benefit Your legal right of recovery against any other party;
- Tell Us about any other insurance that may be relevant to the claim.
What happens next
Our claims team will advise you on how to expedite your claim. We will usually need the following (this may change depending on the incident):
- Completion of the relevant claim form
- A quotation to repair the damage, or to replace any goods stolen or uneconomical to repair
- Photos of any damage or Third Party damage
- In addition, for theft or malicious damage claims, proof of ownership for the items claimed, plus details of the police event number and report
- For any claims made against you by other people (legal liability claims) please attach details of all letter of demands received.
- Please remember that you must never admit guilt, fault or liability.
Your assistance with the above will help us assist you with processing your claim.
For full details of claims responsibilities and our commitments to you, please refer to the relevant Product Disclosure Statement.
Speak with our dedicated team
Based in the CMCA office, our service team understands motorhome and caravan insurance and is here to help make arranging cover easy.
This website is published by CMCA Insurance. CMCA Insurance is a business name of NM Insurance Pty Ltd ABN 34 100 633 038, AFSL 227186 (NM Insurance). NM Insurance is an underwriting agency with a binding and claims authority from Zurich Australian Insurance Limited (ZAIL) which allows it to enter into and arrange policies of insurance and handle and settle claims made under them. NM Insurance acts on behalf of ZAIL and not you when providing these services but does so under its own AFSL.
Advice on this website is general so consider whether it suits your objectives, financial situation and needs. Always consider the relevant Target Market Determination and Product Disclosure Statement before buying or renewing insurance. These can be accessed on this website.
NM Insurance complies with the General Insurance Code of Practice which is designed to raise standards of practice and service in the general insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces compliance with the Code. For more information about the Code or the CGC, visit www.codeofpractice.com.au.
Steadfast Group Ltd (ABN 98 073 659 677) (‘SGL’) has a majority shareholding in NM Insurance Pty Ltd (NM Insurance). SGL may receive a professional services fee (PSF) from insurers, premium funders and underwriting agencies such as NM Insurance (Partner) for access to regulatory and compliance support; marketing and communications; data insights; and access to technology platforms. The PSF is an agreed amount between SGL and the relevant Partner, usually annually. The PSF is not determined by the volume of the business that the Steadfast Network brokers place, nor is the amount of the PSF known to the Steadfast Network Brokers, so it is not able to influence recommendations to their clients.
NM Insurance may have access to shared services from SGL, including compliance tools; procedures; manuals and training; legal; HR banking; and group purchasing arrangements. These services are funded by SGL, subsidised by SGL or SGL receives a fee for them.
SGL’s FSG is available at www.steadfast.com.au or on request by telephoning SGL’s Company Secretary on +61 2 9495 6500.
For information about interpreting services please contact the Australian Government’s Translating and Interpreting Service.