Making a claim If the unfortunate happens, we're right here to help.

Start your Claim Online

To get started, what are you claiming for?

No claims form needed! Give us a call on 0800 100 200 and we'll get you sorted asap

Already made a claim? Login to your My AMI online account to view and manage your claim.


What you need to know about making a claim

What to do in a car accident

If you need an urgent tow, give us a call on 0800 100 200.

Stop the car: Make sure you and anyone else involved are unhurt and if you can, move off the road safely. If any people are injured, you’ll need to report the accident to the police within 24 hours. If animals are involved and you can’t find the owner, call the SPCA or police as soon as you can.

Get details: Get the details for the other drivers’ and any witnesses, including name, phone number, car registration number and insurance details. Take photos of the accident and damage, including the surroundings and any other vehicles involved.

Don’t accept blame: If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 100 200.

Suspected theft or intentional act: If you think your car has been stolen or intentionally damaged, report it to the police. They’ll give you an incident reference number that you’ll need to make your claim.

What’s an excess?

An excess is the amount you pay towards your claim. You can find your excess on your policy documents or by logging into your My AMI account.

How we'll deal with your online claim

  • Once you’ve lodged your claim online, we’ll review all the information as quickly as possible.
  • Within 2 business days, we’ll be in touch to recommend next steps to get you back on the road.
  • Once your claim is accepted and the car has been assessed by one of our AMI approved repairers, they’ll be in touch with you directly to get your repair underway.

What we'll ask for a contents claim

  • - What damage or loss has occurred to your belongings.
  • - When, where and how it happened.
  • - Steps you’ve taken to prevent further damage.
  • - If there’s any 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.

Try to prevent further damage

If it’s possible, try and take precautions to prevent any further damage. If costs are involved, give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim for a reimbursement

Suspected burglary, theft or intentional act

If you think your contents have been stolen or intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim.

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 100 200.

What’s an excess?

An excess is the amount you pay towards your claim. You can find your excess on your policy documents or by logging into your My AMI account.

What we'll ask for a house claim

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

Helpful information

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

Try to prevent further damage

If it’s possible, try and take precautions to prevent any further damage. If costs are involved give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim for a reimbursement.

Suspected burglary, theft or intentional act

If you think your home has been intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 100 200.

What we'll ask for a travel claim

  • - When and where the event happened.
  • - Other details about your claim such as if someone else was involved, whether you contacted the police or a doctor.
  • - Details of expenses.

You’ll also need to provide accounts and receipts for all the costs you’re claiming for.

For medical expenses and medical-related expense claims

  • - What happened, when and where the event occurred.
  • - Full details of the injury or illness, including symptoms (if any) and whether you’ve suffered it before.
  • - The amount and type of medical expenses you're claiming for.

You’ll also need to supply a doctor’s certificate.

For personal effects, money and documents claims

  • - Proof of purchase, date and price.
  • - The replacement cost.
  • - Acknowledgment of loss or damage from the police or transport provider.

What’s an excess?

An excess is the amount you pay towards your claim. You can find your excess on your policy documents.

For 24 hour emergency assistance, call us on the toll free numbers below:

New Zealand: 09 300 8580
Australia: 1800 810 095
United Kingdom: 0808 234 4360
United States: 1866 894 5264
Canada: 1877 416 3486
All other countries: +64 9 300 8580

What to do if you need to make a claim

Call a Sovereign claims specialist and they will let you know what information is needed to proceed with your claim. For more information on life insurance, click here.

Call the team on 0800 500 108

What we'll ask for a business claim

Because our business insurance is tailored to your business, the information we need from you to help process a claim will vary. Call us on 0800 782 838 so we can get your claim underway and let you know what information we may need.

Try to prevent further damage

If it’s possible, try and take precautions to prevent any further damage. If costs are involved give us a call first, unless it’s an emergency – in that case just keep any receipts so you can claim a reimbursement.

Suspected burglary, theft or intentional act

If you think your business has been intentionally damaged by someone, call the police. They’ll give you an incident reference number that you’ll need to make a claim.

Don’t accept blame

If your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer and call us on 0800 782 838.

Frequently asked questions

  • What will happen to my No ClaimsBonus if I make a claim on my personal car policy?

    If you've earned a No Claims Bonus and make a claim, the discount may reduce the next time your policy renews.

    If you have our freeBmax protection, you can make up to two claims a year before your NCB is reduced. However your premium may be affected when your policy next renews even if your NCB hasn't reduced.

    For more information please email us, pop into your local store or call us anytime on 0800 100 200

  • How can I get a summary of my claims history or No Claim Bonus?

    We can provide you with a letter to confirm the years of insurance you've had with AMI for your vehicle(s), details of any claims in the past five years and the No Claim Bonus you had with us on your last cancelled policy.

    You can use this information as a reference when applying for insurance with a different insurance company in New Zealand or overseas.

    For more information please email us, call us on 0800 100 200 or pop into your local store

  • If I make a claim for a damaged windscreen, will this affect my No Claims Bonus?

    This depends on the type of cover you have in place. If you have our optional Glass Excess Buy-out or Glass Breakage Cover then you won't  lose your No Claim Bonus when you make a claim.

    However, if you don't have these optional benefits in place then you'll be required to pay the excess, and your No Claim Bonus will be affected - unless you have Freebmax to protect the discount.

  • I've made three claims in 12 months and have Freebmax on my vehicle. Will my No Claim Bonus be lost?

    That depends on whether all three claims have had an impact on your No Claim Bonus i.e. if we can't recover the cost. If not, then the bonus will reduce to 40%.

    For more information please email us, call us on 0800 100 200, or pop into your local store.

  • How do I make a claim?

    If you need to make a claim on any of your AMI policies, please call us on 0800 100 200, visit your nearest branch or submit your claim online.