Home Insurance Claims
Existing customers:

Home Insurance Claims

What to do before you make a claim

Whether you’re a homeowner, renter, or landlord, making a claim may seem daunting, especially if it’s your first time. That’s why our caring claims team is here to help.

  1. Stay safe and call 000 for emergency services, if needed
  2. Report any theft, attempted theft, or deliberate damage to the police as soon as you can
  3. Take steps to prevent further loss, damage, or liability

How to make a claim


Once you’re ready, it’s easy to lodge a Home Insurance claim, Contents Insurance claim, Landlord Insurance claim or Renters Insurance claim.

1. Get the details

Completing your claim form is quicker if you have all the details at hand before you start.

2. Complete your form

The fastest, easiest way is to log in to My TIO and complete our online claim form.. Or if you prefer, give us a call on 131 846. Our claims team is here to help 24/7.

3. We'll be in touch

Once we have your claim, one of our friendly consultants will contact you as soon as possible.

What you'll need


Having all the details ready may help you lodge your claim faster. Here are some of the details we’ll ask for:

  • Your policy information: you can find your policy number in My TIO or your confirmation email.
  • Incident details: what happened, the date, time, and location of the incident.
  • Damage details: a description of the loss or damage you’re claiming for, with photos of the damage if available.
  • Proof of the loss: for a contents claim, purchase receipts, credit card statements, and owners’ handbooks can help.
  • Other details: any additional information you can provide, for example, details of any witnesses, other vehicles, or property involved.


Notify TIO of a Claim

Phone
Call 131 846 at any time and one of our friendly consultants will assist you with the claims process.
Call 131 846
Online with My TIO

You can now complete your claim online 24/7 by logging in to My TIO.

Once you've lodged your claim, one of our friendly consultants will contact you within one business day.

Log in to My TIO

What happens next?

Once you’ve completed your claim form, we’ll be in touch as soon as possible. Our TIO claims team will let you know if you need to get any replacement quotes, and if so, they’ll help with the process.

For settling contents claims, we’ll choose to either replace or reinstate your contents or pay you a cash settlement.

Complaints and disputes

We strive to resolve disputes as quickly and amicably as possible. Find out more about our internal complaints process and the external disputes resolution scheme we follow.


Find out more 

Frequently Asked Questions

One of our consultants will discuss this with you when they receive your claim or when you call to make your claim.
Documents such as purchase receipts, credit card statements and owner's handbooks will help.
When you speak to a consultant, they'll let you know what you need to provide to help us process your claim.

Where possible, we will do our best to repair or replace your items through our network of building repair specialists and contents replacement partners.

In some cases, we may pay you the reasonable cost of repairing or rebuilding/replacing your home or contents in cash or cash equivalent (at our discretion).

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

Find out more


Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO has been delivering insurance products and services to Territorians for over 40 years.