Frequently Asked Questions
Workers Compensation Claims – Tasmania
Can I pay in monthly instalments?
If an account is over $1,000 we may be able to arrange pay by the month through Premium Funding – this should be arranged prior to due date.
Generally we do not offer them Premium Funding for domestic policies only.
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Who will handle my claims?
Bugg Goninon will manage your claim from start to finish. We ensure the claim is dealt with by the insurer in a timely manner. In some instances you may have some direct contact with the Insurer or Assessor, depending on the circumstances of the claim.
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What is an Insurance Broker?
An insurance broker acts for you, not as an agent of the insurer. We look at the possible risks that may affect you and recommend appropriate insurances to meet those risks. We have access to a wide range of different insurers which means you get the most competitive covers and premiums for your insurance need.
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Why would I need a broker?
A broker working for you can offer valuable assistance in determining the types of insurance required for the risks your business is exposed to. A broker will obtain the most appropriate cover for the most competitive premium available.
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Is an insurance broker more expensive than obtaining insurance direct from an insurance company?
An insurance broker will be more cost-effective as the broker negotiates with a broad range of insurers to obtain the best terms of cover at the most competitive price.
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What is an IBNA broker?
An IBNA broker is a broker who is a member of the Insurance Brokers Network of Australia, a leading intermediary network of independent insurance brokers operating from more than 80 sites around Australia. This network enables access to a significant number of specialised insurance schemes that cater for diverse and unique occupational activities.
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How does a broker know what is best for me and my business?
A broker is a highly skilled insurance professional who has experience in helping a wide range of professions place their insurance requirements. In consultation with you we gain an appreciation of the nature and scope of your business, with a detailed analysis of your needs for insurance. A broker will be able to assist and offer guidance with insurance solutions for a large array of business people.
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What if I have a complaint?
We urge anyone with a complaint to let us know. We will immediately deal with the complaint internally and try to address the situation to your satisfaction. However if the problem is not resolved to your satisfaction, you may contact the Financial Ombudsman Service (FOS). The FOS provides support free of charge to help you resolve problems quickly and efficiently, without the need for costly litigation.
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How do I lodge a claim?
When any incident occurs, contact our office immediately to speak to our dedicated claims team. They will advise you how to lodge a claim, supply you with any forms that may be required and guide you through each step to finalise your claim.
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How long will a claim take to finalise?
This depends on the type of claim, extent of damage, and the quality of information provided. We ask our clients to provide as much information as possible at the beginning of a claim to prevent any delays. Different insurance companies have different procedures for handling claims but are required to comply with the timelines stated in the General Insurance Code of Practice. We also have a high expectation that our client’s claims are actioned and processed within a reasonable timeframe.
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I’m not happy about how my claim is being processed. What can I do?
Contact our dedicated claims team to discuss any issues you may be experiencing. We understand that some claims may not run as smoothly as you expect. We will contact your insurance company on your behalf and negotiate solutions to your concerns. If your issue is with how we’ve managed your claim, we are always seeking ways to improve our service. Also, your insurance company and our office have an Internal Dispute Resolution procedure in place to effectively handle your disputes.
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Workers Compensation Claims - Tasmania
What is the standard excess applicable?
The first $200 of medical and associated expenses and the first week of wages.
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How long does an injured worker have to lodge a claim?
The injured worker should report the injury to the employer as soon as possible. There is a time limit of six months for lodgement of a formal claim.
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How long does the employer have to submit the completed claim to the insurance company after receiving it from the injured worker?
Five working days.
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