Claims
Making a claim with Cover Guard Insurance means dealing with a real specialist — someone who knows your policy, manages the process, and works to get you the best possible outcome.
What Makes Our Claims Process Different?
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A real specialist — not a call centre. You deal with the same person throughout.
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No excess on rent default claims.
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Same-day acknowledgement on all new claims.
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Interim payments arranged for complex or extended claims.
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We represent your interests with the insurer — every step of the way.
How To Make A Claim
Step 3:Â Settlement
Most straightforward claims are settled promptly. For more complex matters, we arrange interim payments where available and keep you informed throughout.
Step 2:Â We take it from there
Your dedicated claims specialist manages the process from start to finish. We liaise with the insurer on your behalf so you don't have to.
What are the most common landlord claims?
These are the issues we see most often across our landlord portfolio.
Loss of rent
Tenant damage
Fire
Storm
Water damage
Claim 1 — Rent Arrears Recovery
$5,631.43 recovered in rent arrears
A landlord in New South Wales came to us after their tenant had fallen significantly behind on rent. By the time the matter was resolved through the tribunal, several months of arrears had accumulated — well beyond what the bond could cover.Our claims team stepped in, worked through the documentation with the landlord, and managed the claim from lodgement through to settlement.
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The full amount owed was recovered under the rent default provisions of the policy.
OUTCOME $5,631.43 paid to the landlord — with no excess applied to the rent default claim.
Real Claims. Real Outcomes.
Here's how we've helped Cover Guard Insurance clients when it mattered most.
Claim 2 — Tenant DamageÂ
Bathroom flooding caused by tenant — fully covered
A tenant cracked the toilet in a rental property, causing water to leak undetected for an extended period. By the time it was discovered, the damage extended beyond the toilet itself — the subfloor, tiling, and vanity had all been affected.The landlord was concerned this would fall into a grey area between accidental and malicious damage. Our team assessed the claim and successfully argued that the full scope of damage — including consequential water damage — was covered under the policy.
OUTCOME The bathroom was fully repaired and the landlord was not left out of pocket for the structural damage.
Claim 3 — Rent Default & Reletting
$11,604.99 for rent default and reletting costs
A tenant abandoned a property mid-lease without notice, leaving unpaid rent and the property in a condition that required professional cleaning before it could be re-let. The landlord also incurred costs through their property manager to find a new tenant.
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Our claims specialist managed the entire claim — including the rent default component, the cleaning costs, and the eligible reletting expenses. We documented the claim thoroughly and pushed for a prompt settlement to minimise the landlord's financial exposure.
OUTCOME $11,604.99 settled — covering unpaid rent, reletting fees, and associated costs.