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Claims

At CPC, we believe the claims experience is a fundamental part of our service and for many clients it is often a new and complex process.

Our objective is to remove the stress and complexity of the claims process and to help our customers by:

  • Lodging claims promptly and clearly explaining the next steps;
  • Ensuring our customers understand their entitlements
  • under their insurance policies;
  • Supporting them to navigate the claims process;
  • Providing advice and recommendations on the best available options;
  • Removing the stress and uncertainty when lodging a claim; and
  • Acting as a true advocate for our customers

No matter how your claim is lodged, we will manage your claim with the insurer and keep you informed every step of the way

Claims Advice

We offer guidance at every step of the claims process and can represent you in negotiations with insurance companies, all at no additional cost. This allows you to dedicate your energy to managing your business, while we put in the effort to efficiently and favorably resolve your claim.

Quicker Turnarounds

With a reliable expert on your side, you have a dedicated professional who can handle the entire claims process for you. This enables you to concentrate on your top priorities. We are committed to overseeing your claim from its initiation to its conclusion—our approach goes beyond simply submitting and moving on.

Claims Outcomes

We know how important it is for things to go well when you need help with claims. As an insurance broker, we will be there to help you with your claim and talk to the insurers, assessors and repairers if there are any concerns.

Motor Claims

For 24/7 Emergency Response for windscreen damage you can contact O’Brien Glass on

1800 719 737

For any new claims, please contact our claims team using the following details:

Email at claims@cpcinsurance.com.au
or Phone at 03 8905 3926

Property Claims

For 24/7 Emergency Response for property damage:

Call Johns Lyng Group at 1300 809 949 or
Email: brokerresponse@johnslyng.com.au

For any new claims, please contact our claims team using the following details:

Email at claims@cpcinsurance.com.au
or Phone at 03 8905 3926

Other Claims

For any new claims, please contact our claims team using the following details:

Email at claims@cpcinsurance.com.au or Phone at 03 8905 1111

FAQ’s

What you do after an auto accident or a natural disaster can save you time, money and energy.

Below are some of the most commonly-asked questions, and some answers that may not be “common knowledge.”

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What should I do if I’m involved in a car accident?
First, stop your vehicle and move it to a safe place, out of traffic if at all possible, but don’t leave. Legally you are required to stop and remain at the scene of the accident. Check with passengers in all vehicles involved to determine if there are any injuries and call for medical assistance if needed.

Exchange information with the other driver(s) involved in the accident. You should exchange names, addresses, telephone numbers, type and ownership of vehicles, insurance information and a description of damages.

Get the names, addresses and telephone numbers of any witnesses. Call the police.

The police will advise you if their response to the scene is not necessary. Do not admit fault to anyone as there could be multiple factors contributing to an accident. Give factual details of your recollection of the accident and cooperate with the police in providing answers to their questions. If your vehicle needs to be towed, request that it be removed to a repair shop of your choice. As soon as possible, contact the company carrying your insurance to report the loss.

What should I do in the event of a homeowners or commercial property loss?
What should I do in the event of a homeowners or commercial property loss?
As soon as possible, contact the company carrying your insurance to report the loss. Make reasonable and necessary repairs to protect your property from further damage or loss. Keep a record of repair costs and retain receipts for any expenditures. If the loss involves theft or vandalism, notify the police immediately.
What should I do if there’s an accident at work, and a potential workers’ compensation claim?
First, make sure the injured employee is comfortable. Do not move the employee if head, neck or back injuries are suspected. Make sure the injured employee receives professional medical attention. Complete the accident reporting form required in your state. You should also contact your insurance company to report the accident and provide information concerning the employee and their injury.
What if a storm has damaged my home so severely that I can’t stay in it?
Most homeowners policies provide coverage for living expenses if you can’t stay in your home. Most policies will reimburse you for “reasonable expenses” over and above your normal living costs (such as lodging, for example, since it’s over and above your mortgage or rent payment) if your home is uninhabitable as a result of a covered peril and you must temporarily relocate. But most policies will reimburse you only for those food expenses over and above what you would normally pay for food.

You must keep all receipts in order for the expenses to be considered part of the loss. The expenses must be in line with normal living costs and must be a necessary and direct result of the loss. Policies typically limit recovery under “additional living expenses” to a percentage of the amount of coverage on the home itself.

If trees on my property are blown down am I covered?
Many homeowners policies don’t provide coverage for damage to trees caused by wind. But if a tree falls and damages insured property, such as a house or a fence, the damage is almost always covered.
I’ve reported my claim, now what should I do?
Do everything in your power to guard against follow-on damage to your property. Secure your property, by temporarily boarding windows and tacking down loose roof shingles. If possible, dry carpets and personal property, to prevent any further damage. If you don’t take preventative measures, and additional damage results, it may not be covered.
Is there anything I can do to help speed up the claims process?

An adjuster will contact you as soon as possible, but priority will be given to the most severe losses. Larger claims may be settled in stages, not all at once. While you wait for the adjuster to contact you, you should:

  • Estimates. Get at least two, and preferably three repair estimates for the adjuster to review.
  • Photos. Take photos of the damaged property and gather any pictures showing the property before the loss.
  • Replacement Costs. List all damaged property, including each item’s description, age, original cost, place of purchase, and estimated replacement cost. Include any receipts or canceled cheques for these items.
How long after an adjuster reviews my claim should I have to wait to receive a cheque?

It depends on the cause of the claim. If your claim is an isolated incident, you’re more likely to get a resolution quickly. If your claim is one of many, the claim process is likely to take far longer. You should call back a few days after your interview with the adjuster, to see when they submitted the paperwork to your insurance company. You may also want to contact the insurance company after the adjuster has forwarded them their report.

I’ve just received my claim cheque and it’s not nearly what I expected. What recourse do I have?
If the settlement is for an amount that’s lower than you expected, it’s usually because of policy terms that require settlement on an actual cash basis, to be followed by a separate payment for replacement costs when repairs or replacement are completed. Check with us or with your insurance company.
What’s the difference between actual cash value and replacement-cost coverage?
If the policy indicates that settlement will be on a replacement-cost basis, then payment will be made for the actual cost, at today’s prices, to repair or replace, limited only by the total amount of coverage that was purchased. If the adjustment basis is actual cash value, settlement will be made by determining the replacement cost at today’s prices, less a reasonable amount for depreciation, age, or obsolescence. Some policies provide coverage for the home on a “guaranteed replacement cost” basis, in which case the carrier pays whatever it costs to repair or rebuild the home, regardless of policy limits.

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