No one can be sure when or where a loss will occur but you can expect prompt, knowledgeable claims service from QBE Papua New Guinea - one that strives to meet your unique needs, whenever and wherever a loss occurs.

The length of time that it takes to settle a claim will depend on the nature of the exposure and its complexity. In either case, you will be relieved to know that QBE Papua New Guinea claims management team will help you through the process. It is part of the QBE specialist insurance solutions promise.

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A straight-forward property or motor claim might be settled within a month or less. In contrast, a professional negligence case might take years before reaching the courts. And throughout that time, your claim will require specialist claims management to guide the investigation, legal defence - and later, to deal with the settlement of any damages awarded by the courts.

Although different claims management processes apply, depending on the area of risk, there are some fundamentals that always apply to help ensure the most effective outcome. These include:

• Early notification to QBE Papua New Guinea, as your insurance provider. Simply download the relevant claim form from this site and submit it directly to our claims office or via your intermediary. Visit the PNG Claim Forms section of this site.

• Early notification to your insurance broker or agent, as your insurance adviser.

• Complete all required sections of your claim form and supply all required information before lodging with QBE.

• Keep a copy of your claim form and associated information.

As an insurance company, we expect to pay claims. Our premiums reflect the degree of risk and the probability of a claim and the terms of cover provided. In general, the wider the cover provided, the higher the premium.

So if your policy covers the exposure, we will respond to a valid claim. That's why it's important to take the advice of an insurance broker or agent, and to read the policy wording to ensure the cover meets your expectations before entering your insurance contract.

Use this web site to provide Feedback on our claims service or other areas of our business in Papua New Guinea. We strive to provide a quality service and will value your comments.