(03) 4714 0414
Making a Claim
All Claims by Duck for Cover members are serviced by our brokers, Network Insurance House. The information below will assist you in understanding how the claims process works and provide guidelines on how to proceed if you need to make a claim.
General Claim Information
Public and Product Liability Insurance Claims
Professional Indemnity Insurance (Teaching) Claims
Professional Indemnity Insurance (Publishing) Claims
Performing Equipment Insurance Claims
Personal Accident Insurance Claims
Voluntary Workers Personal Accident Insurance Claims
general claim service for ALL claims
Our broker Network Insurance House provide a dedicated Claims Team who service all insurance claims on behalf of Duck for Cover members.
To achieve claim settlement as expediently as possible, Network Insurance House will:
- Discuss with the insured member the general nature of the potential claim.
- Check the member’s insurance details to establish the coverage and extensions taken by the member will respond to the claim.
- Assist insured members submit their insurance claim.
- Facilitate claim settlement with the relevant insurer.
Network Insurance House's intention for ALL Duck for Cover member claims is to make the process as simple as possible.
Claims
Network Insurance House
The number is 1300 655 037
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
If you are not satisfied with the claim service being provided by Network Insurance House, you should advise Duck for Cover who will review your claim and respond to you accordingly.
Duck for Cover:
Anne Colman
Tel: 03 4714 0414
help@duckforcover.com.au
If you remain dissatisfied, you will be able to progress the matter to the relevant insurer's Internal Dispute Resolution (IDR) officer.
In summary, if you have a valid insurance claim under any of your Duck member Insurance policies, our Insurance broker will act on your behalf with supporting insurers to get the claim paid.
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public and product liability insurance claims
Scenario:
I have caused injury to someone else (or damaged their property) while I was performing and I am worried someone will sue me. What should I do?
Answer:
Your Public / Products Liability policy will either defend or settle accepted claims that are made against you relating to Third Party bodily injury or property damage arising out of your performing / teaching activities.
Procedure:
Whether you become aware of an incident that may result in a claim or whether you have received correspondence indicating that someone is claiming against you for a past incident that occurred during your insured policy period, you should advise Network Insurance House of the claim immediately.
Claims - Network Insurance House
The number is 1300 655 037
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain an acceptance of the claim by your insurer so that either a defence can be submitted or if the claim is in order, for your insurer to negotiate a settlement with the claimant.
Network Insurance House will request you:
- Provide an email detailing the circumstances that have resulted in this potential claim.
- Complete and return the required Incident Report form to Network Insurance House
- Attach all relevant additional information including demand, writ, summons, proceedings, impending prosecution or inquest and all documents relating to the claim.
During a claim you have certain duties which include:
- Do not make any admission, offer, promise, or payment in connection with any Occurrence.
- Use your best endeavours to preserve all property, products, appliances, plant, and all other things which may assist in the handling of the claim.
For full details of the benefits, terms and conditions and exclusions that may apply to this policy, please refer to the relevant Policy Schedule and Policy Wording available in The Official Bits.
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professional indemnity insurance (teaching) claims
scenario
I am being sued because my teaching was allegedly not up to standard. What should I do?
answer
If you have paid for the optional Professional Indemnity (Teaching) policy, it will defend and settle accepted claims that are made against you relating to Third Party financial loss arising out of your teaching activities that are first notified against you and reported to your insurer in the current policy period.
procedure
Whether you become aware of an incident that may result in a claim or whether you have received correspondence indicating that someone is claiming against you for a past incident, you should advise Network Insurance House of the claim immediately.
Claims - Network Insurance House
The number is 1300 655 037.
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain an acceptance of the claim by your insurer so that a defence can be submitted and if the claim is order, for your insurer to negotiate a settlement with the claimant.
Network Insurance House will request you:
- Provide an email detailing the circumstances that have resulted in this potential claim.
- Complete and return the required claim form to Network Insurance House
- Attach all relevant additional information including demand, writ, summons, proceedings, impending prosecution or inquest and all documents relating to the claim.
During a claim you have certain duties which include:
- Do not make any admission, offer, promise, or payment in connection with any Occurrence.
- When requested provide details of any other insurances current at the time of any Occurrence that might also provide you with insurance protection.
professional indemnity insurance (publishing) claims
scenario
I am being sued over alleged plagiarism, copyright infringement, breach of privacy or defamation related to a music recording I released, a book I published or a live performance I streamed. What should I do?
answer
If you have paid for the optional Professional Indemnity policy (Publishing) policy, it will defend and settle accepted claims that are made against you relating to Third Party financial loss arising out of your Self-Publishing activities that are first notified against you and reported to your insurer in the current policy period.
procedure
Whether you become aware of an incident that may result in a claim or whether you have received correspondence indicating that someone is claiming against you for a past incident, you should advise Network Insurance House of the claim immediately.
Claims - Network Insurance House
The number is 1300 655 037
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain an acceptance of the claim by your insurer so that a defence can be submitted and if the claim is order, for your insurer to negotiate a settlement with the claimant.
Network Insurance House will request you:
- Provide an email detailing the circumstances that have resulted in this potential claim.
- Complete and return the required claim form to Network Insurance House
- Attach all relevant additional information including demand, writ, summons, proceedings, impending prosecution or inquest and all documents relating to the claim.
During a claim you have certain duties which include:
- Do not make any admission, offer, promise, or payment in connection with any Occurrence.
- When requested provide details of any other insurances current at the time of any Occurrence that might also provide you with insurance protection.
performing equipment insurance claims
scenario
I have suffered Loss or Damage to my Performing Equipment. What should I do?
answer
If you have paid for the optional Performing Equipment Insurance policy, it may cover theft or damage to your Performing Equipment in certain specified circumstances.
procedure
As soon as you become aware of an incident that is likely to result in a claim you should take all reasonable steps to prevent further loss or damage, notify the Police if a theft has occurred, and advise Network Insurance House of the claim immediately:
Claims - Network Insurance House
The number is 1300 655 037
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Network Insurance House will assess whether your Performing Equipment policy covers the claimed items. This initial advice is general only and will save time if the event is not insured.
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain a prompt and reasonable claim settlement from insurers. Network Insurance House will request you:
- complete and return the required claim form to Network Insurance House
- attach your repair or replacement quotations for the claimed item(s).
- provide the police event / report number (if theft).
- provide proof of ownership for the claimed item.
- provide any helpful photographs relating to the incident and damage sustained.
For full details of the benefits, terms and conditions and exclusions that may apply to this policy, please login as a member on the Duck website, and refer to the relevant Policy Schedule and Policy Wording available in The Official Bits.
personal accident insurance claims
scenario
I have suffered an injury while performing and will not be able to work for an extended period. What should I do?
answer
If you have paid for the optional Personal Accident Insurance policy, it will cover your lost performing/teaching income as a result of being unable to work due to an injury which occurred while you were performing, rehearsing or teaching (and including direct travel to and from).
procedure
As soon as you become aware of an incident that is likely to result in a claim you should seek medical advice and advise Network Insurance House of the claim immediately.
Claims - Network Insurance House
The number is 1300 655 037.
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Network Insurance House will assess whether your Personal Accident policy covers the claimed injury. This initial advice is general only and will save time if the event is not insured.
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain a prompt and reasonable claim settlement from insurers. Network Insurance House will request you:
- complete and return the required claim form to Network Insurance House
Your treating doctor will need to complete a section of this form. - attach any additional medical reports if available at the time.
- attach your Proof of Earnings (Tax returns or if self-employed company financials including profit and loss statement).
Insurers may also:
- request you to undergo medical or related examinations.
- conduct enquiries into the circumstances of the claim.
- request your attending doctor or specialist to provide a progress report.
For full details of the benefits, terms and conditions and exclusions that may apply to this policy, please login as a member on the Duck website, and refer to the relevant Policy Schedule and Policy Wording available in The Official Bits.
voluntary workers personal accident insurance claims
scenario
A volunteer of our Group has suffered an injury while performing and will not be able to work. What should I do?
answer
If you have paid for the optional Voluntary Workers Insurance policy, it will cover your volunteer’s lost income as a result of them being unable to work due to an injury which occurred while they were acting as a volunteer of your Group (including direct travel to and from).
procedure
As soon as you become aware of an incident that is likely to result in a claim you should instruct the injured volunteer to seek medical advice and advise Network Insurance House of the claim immediately.
Claims - Network Insurance House
The number is 1300 655 037
The email is FrontOfHouse@nih.com.au
(Let them know you are a Duck for Cover member.)
Network Insurance House will assess whether your Voluntary Workers Personal Accident policy covers the claimed injury. This initial advice is general only and will save time if the event is not insured.
Once established that a potential valid claim exists, Network Insurance House will work on your behalf to obtain a prompt and reasonable claim settlement from insurers. Network Insurance House will request the volunteer:
- complete and return the required claim form to Network Insurance House
Your treating doctor will need to complete a section of this form. - attach any additional medical reports if available at the time.
- attach Proof of earnings (Tax returns or if self-employed company financials including profit and loss statement).
For full details of the benefits, terms and conditions and exclusions that may apply to this policy, please login as a member on the Duck website, and refer to the relevant Policy Schedule and Policy Wording available in The Official Bits.