Home Insurance Claims
Existing customers:

Home Insurance Claims

What to do before you make a claim

Before you lodge a claim on your TIO Territory Home or Landlord Insurance, it’s important to do what you reasonably can to prevent further loss, damage or liability. Contact the police as soon as reasonably possible to report any theft, attempted theft, or damage caused by intentional acts, riots or vehicle impact.

Glass claim? There are no forms to complete, just have your policy number ready and call O'Brien Glass to book a glass repair.


Call 1800 557 055

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 use our online claim form. Or if you prefer, give us a call on 131 846 (8am to 5pm NT Time, Monday to Friday).

3. We'll be in touch

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

The details we need

You need to provide us with reasonable proof of the loss. Documents such as purchase receipts, credit card statements and owners’ handbooks will help. When you speak to a claims consultant, they’ll let you know what you need to give to help us process your Home Insurance claim, Contents Insurance claim, Landlord Insurance claim or Renters Insurance claim. This will include:

  • Your policy information
  • Information about the incident, such as the date, where the damage occurred, etc.
  • Details about the loss or damage you’re claiming for
  • Information about any other people, vehicles or property involved


Notify TIO of a Claim

Phone
Call 131 846 and one of our friendly consultants will assist you with the claims process.

For emergency after hours support please call 131 846 and follow the prompts.

Call 131 846
Online Lodgement Service
We offer a 24/7 online claim lodgement service.

Once you have lodged your claim, one of our friendly consultants will contact you within 1 business day.

Lodge your home claim online

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.