This approach is recommended for the Vehicle (including Machinery) and Liability insurance claims which involve a third party. Remember your insurance company has undertaken to accept the insurance risks you have insured against and it is their responsibility to accept or reject liability.

Incidents with Third Parties

If you have an incident with a third party, your response should be:

  • All care, however admit no responsibility
  • Making all staff (where applicable) aware of how to react

Do’s and Don’ts

Below are lists of what you should and shouldn’t do in the event of an incident with a third party.


  • Show sympathy and sincere interest
  • Render any assistance, including medical assistance
  • Gather all information
  • Gather any witness statements and tenant observations
  • Take photographs of the damage
  • Fill in an incident report form 
  • Settle small claims on the spot (example claims below your policy excess)


  • Admit liability
  • Mention insurance
  • Volunteer information
  • Fill out form in their presence
  • Put any negative statements on the form

Whatever the claim type, you must make sure you notify your claim to your insurer or insurance broker as soon as possible and gather all relevant information at the time of the incident (such as third party details and/or witness details).

It is important that all claims are settled quickly and fairly so as to minimise any disruption to your business. Completing a claim form immediately, or as soon as practicable and submitting the details to your insurer or insurance broker means your claim can be actioned quickly and efficiently and minimising the impact to you.

Contact Us

At Optimum Insurance Services, we pride ourselves on our fast and efficient claims service. If your insurance is with us and you need to make a claim for whatever reason, you can relax knowing that we will be there to assist you throughout the process. It’s all part of the service.

To notify of a claim click here or if you need advice, call us on 1300 739 861.


Disclaimer – “This material contains general information only and may not suit your particular circumstances. To decide if a policy is right for you please carefully read the relevant Product Disclosure Statement (PDS) and/or Policy wording. While we have exercised due care and skill in preparing this information, Optimum Insurance Services (Optimum) does not accept any legal responsibility or liability for negligence or otherwise to you or anyone else who seeks to rely on this information. This includes, without limitation, loss arising from a possible failure of the information to comply with statutory or regulatory requirements or the failure of the information to identify other terms and conditions beyond those considered in this document. You should obtain advice to ensure that your policy provides adequate cover for your circumstances.

Optimum Insurance Services Pty Ltd is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services Licence No 240549, ABN 15 003 886 687.”

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Optimum Insurance Services Pty Ltd is a Corporate Authorised Representative (No. 291220) of Insurance Advisernet Australia Pty Ltd (AFSL No. 240549).


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