All insurance policies (with the exception of Life Insurance) have some form of policy excess, where you have to contribute a monetary value when making a claim. This is to deter people from making unnecessary claims, and in effect encourages people to be more responsible and reduce the potential of having to make a claim in the first place.
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There are two types of policy excess; compulsory excess (a fixed sum that you must pay when making a claim), and voluntary excess (an amount that you agree to pay when making a claim). This therefore means that you can end up paying the sum of the two, which can be significant. CLAIMYEXCESS as a supplemental product works alongside your normal insurance policy and gives you the option to cover your policy excess. CLAIMYEXCESS cost can also pay for itself in cases wherein by selecting a higher excess in your insurance policy drastically reduces the premium. It is worthwhile to explore with your Insurer/Broker the higher excess option when requesting for the new /renewal quotes.
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Getting insurance every year certainly isn't fun, but it is a necessity. With inflation, claim numbers and the claim value continually increasing, two main issues arise when it comes to a claim.
1. It is likely to increase your premiums moving forward.
2. You have to pay for some of it from your own pocket ( policy Excess).
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Having a full understanding of policy excess makes it much easier to get your head around what CLAIMYEXCESS is and how it works.
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CLAIMYEXCESS runs alongside your standard insurance policy and reimburses you for the excess you have to pay on your standard insurance should you need to make a claim. The amount you are covered for is pre-agreed depending on your needs.
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Basically you need to make two claims. You make a claim on your standard insurance and pay your excess up front, and then you notify CLAIMYEXCESS with supported documents as a proof to get your excess reimbursed.
For full exclusion details check PDS document.

The main benefit to having CLAIMYEXCESS is the savings. You will not only save money when you make a claim on your insurance and get your excess back, but you could also see your premiums lowered if you have opted for a higher voluntary excess on your standard insurance policy.

APPSOFT LTD. t/a CLAIMYEXCESS

All claims are managed by our expert claims handler, whose contact details are below. To make a claim:

1. Phone our claims handlers (see number below) and request a reimbursement form

2. Submit your completed form by post or email it to our claims handlers

3. Wait for your case to be settled, in terms of receiving reimbursement for the excess monies you’ve paid out.

4. Call your claims handler if you have any further questions or concerns (optional)

IMPORTANT: So that your case is processed swiftly and settled as soon as possible, please return your completed reimbursement form along with all documentation requested by your claims handler. This will include (but not necessarily be restricted to):

• A copy of the Insurance discharge mentioning the excess amount paid/deducted by your main/lead Insurance Company for the similar risk as covered by CLAIMYEXCESS and described in Confirmation of Cover (CoC)

• Bank details or a copy of the deposit slip showing:

1. Bank name

2. Account holder’s name(s)

3. Account number

Bank details will make payment easier, as our claims handlers prefer to make the payment directly to your bank.

PLEASE REMEMBER:
If you are emailing your reimbursement form, please scan all supporting documents and attach them to your email correspondence. Failure to supply full documentation may jeopardise the reimbursing of your costs.
Claims Contact Details:
Claim Handler Specialist
Phone: 09-2788800
Email: claims@claimyexcess.com

APPSOFT LTD. t/a CLAIMYEXCESS

Besides being a New Zealand based registered company, there are a multitude of reasons to make CLAIMYEXCESS your preferred choice. Here are just a few examples:

Select from range of reimbursement amount to suit your needs. Reimbursement levels range from a minimum of $250 to a maximum level of $3000.

You are allowed to make multiple (excess claims) on the product for a specific risk you selected under CLAIMYEXCESS period, until your claim limit is exhausted.

In the event of a valid claim, CLAIMYEXCESS will respond within 72 hours, fairly and promptly in reimbursing with the excess amount paid by you to your main/lead Insurance Company limited to amount selected by you and shown in Confirmation of Cover(COC).
For details, please do read Terms and Conditions, Privacy and PDS documents.

There is a 15 day money back guarantee on all CLAIMYEXCESS cover, subject to terms and conditions.

APPSOFT LTD. t/a CLAIMYEXCESS