How to Claim a Split System Aircon on Insurance

How to Claim a Split System Aircon on Insurance, you must contact your insurance provider and provide them with all necessary information and documentation. Split system air conditioning units can be a valuable asset for homeowners and business owners alike.

As with any major purchase, it is essential to have proper insurance coverage to protect your investment in case of unexpected damages or malfunctions. However, claiming a split system aircon on insurance can be a tedious process that requires careful attention to detail and thorough documentation.

In this article, we will explore the steps you need to take to file a successful claim for your split system air conditioner, including what information and documentation you will need to provide to your insurance provider. By following these guidelines, you can ensure that you receive the compensation you deserve and get your aircon back up and running as quickly as possible.

How to Claim a Split System Aircon on Insurance


Understanding The Basics Of Insurance Claims

Split system air conditioning units are essential for a comfortable home or workplace. However, they can suffer from unexpected damage, which can lead to unexpected expenses. Luckily, if you have insurance, you can make a claim to help cover the costs of repairs or replacement.

In this section, we will discuss the basics of insurance claims for split system air conditioning units.

Different Types Of Insurance Policies Available For Split System Aircons

Before making an insurance claim for your split system air conditioning unit, it is essential to understand the different types of insurance policies available. Some of the options include:

  • Homeowner’s insurance policies: These policies typically cover damages to your split system aircon due to unexpected events like natural disasters, fire, or theft.
  • Air conditioning insurance policies: These policies are specifically designed to cover repair or replacement costs for your split system air conditioning unit.
  • Extended warranty policies: These policies can be purchased when the split system air conditioning unit is installed and typically cover repair and replacement costs for a set number of years.

Terms & Conditions Of An Insurance Policy For Air Conditioning

It is essential to read the terms and conditions of an insurance policy for split system aircon carefully before making a claim. Some of the critical factors to consider include:

  • Coverage limits: Check the policy to see the maximum amount that will be covered for repairs or replacement expenses.
  • Deductibles: Know the deductible amount that you will have to pay out of pocket, as well as whether it is a per-incident or per-year deductible.
  • Exclusions: Understand the instances in which your split system air conditioning claim will not be covered, such as intentional damage or neglect.

Selection Of The Right Policy To Avoid Claim Rejection

To avoid claim rejection, it is essential to select the right insurance policy. Consider the following before making a purchase:

  • Assess coverage needs: Consider your split system air conditioning unit’s age, condition, and location before selecting a policy.
  • Coverage options: Understand the types of policies available and select one that best suits your coverage needs.
  • Premiums: Compare insurance premiums from different companies to determine which policy is within your budget.

Remember that it is important to maintain your split system air conditioning unit regularly to ensure it remains in good condition and prolong its lifespan. Making an insurance claim can also help you save money in the long run and provide peace of mind knowing that your split system air conditioning unit is covered if any unexpected damage occurs.

Steps To Claiming A Split System Aircon On Insurance

After experiencing damage to your split system air conditioner, it’s important to take the necessary steps to file an insurance claim. Here are the essential steps for claiming a split system aircon on insurance:

Inspection Of The Damaged Aircon

Before filing a claim with your insurance company, ensure that your split system aircon needs repair or replacement. Inspect the air conditioner for any signs of damage. This could include strange noises, insufficient cooling, poor performance, or any visible damage to the unit.

Be sure to take note of any faults and the extent of the damage.

Documents Required For Filing A Claim

To file a claim, you’ll need to have the following documents on-hand:

  • Insurance policy details
  • Details about the damage to the split system aircon
  • Repair/replacement cost estimate
  • Proof of purchase for the aircon
  • Receipts/invoices for repairs (if repairs have been done)

Having these documents will allow for a smoother and quicker claims process.

Contacting The Insurance Company

Contact your insurance company promptly to begin the claims process. You can usually find the contact information on your insurance policy. Give them all the details about your policy and the extent of the damage to your split system aircon.

The insurance company representative might provide certain instructions to follow, such as submitting a formal claim for consideration.

Filing The Claim: Dos And Don’Ts

When filing a claim for your split system aircon, keep these dos and don’ts in mind:


  • Be honest about the damage sustained by the aircon.
  • Provide clear, detailed documentation to support your claim.
  • Follow the instructions provided by the insurance company and submit your claim as per the deadlines.


  • Don’t delay reporting your claim to the insurance company.
  • Don’t try to exaggerate the extent of the damage to your split system aircon.
  • Don’t proceed with the repair or replacement of the split system aircon until your claim has been approved by the insurance company.

By following these steps, you’ll be well-prepared to file a successful claim with your insurance company. Remember to be honest, provide all required documentation, and follow the insurer’s guidelines to ensure a smooth claim process.

Procedure For Claiming A Split System Aircon On Insurance

If your split system air conditioner has been damaged due to unforeseen circumstances, claiming it on your insurance can be a bit of a hassle. Here is a step-by-step procedure to follow to ensure an easy and successful claim process.

Scheduling A Visit For Inspection Of The Damage

Before making a claim, it is crucial to have your aircon inspected to determine the extent and cause of the damage. Here’s what you need to do:

  • Get in touch with your insurance provider and inform them about the damage your aircon has suffered.
  • They will send over an insurance assessor to inspect the damage and determine if it is claimable.
  • Schedule a date and time that is convenient for you and the assessor.
  • Ensure the aircon is accessible, and areas around it are free from obstructions.

Making Alternate Arrangements While The Aircon Is Being Repaired

It’s essential to have a backup plan for cooling your home or office while your aircon is being repaired or replaced. Consider the following:

  • Place portable fans around the room to keep the air circulating.
  • Opt for a temporary air conditioning unit to keep your living quarters cool.
  • If possible, stay with friends or family while the repairs are being carried out.
  • Always keep your insurance provider informed of any temporary arrangements you make.

Follow Up With The Insurance Company

Claiming insurance on a damaged aircon can take some time, especially if there are a considerable number of claims waiting to be processed. Follow up with your insurance company regularly to avoid any unnecessary delays. Here’s what you need to do:

  • Keep all your insurance documentation in a safe place.
  • Contact the insurance company when necessary.
  • Be polite but assertive when communicating with the insurance company.
  • Ask for an estimated time frame for when the claim will be processed.

Modes Of Compensation For A Successful Claim

If your claim is approved, you have several options for compensation. These include:

  • Reimbursement for repair costs: The insurance company will provide payment to cover the cost of repairing your aircon.
  • Replacement of the aircon: If your aircon is deemed beyond repair, your insurance company will replace it with a new unit.
  • Cash settlement: In some cases, the insurance company will offer a cash settlement equivalent to the value of the damaged aircon.

Claiming a split system aircon on insurance can be a daunting experience, but following the above steps can help you through the process. Always make sure you have all the necessary information and documentation to hand and keep in regular contact with your insurance company to ensure a successful claim.

Prevention Is Better Than Insurance Claims

We all know how essential air conditioners are during the hot summer months. There’s nothing quite like the feeling of walking into a cool and comfortable home after being outside in the blazing sun all day. However, air conditioning units can be quite pricey to repair or replace, which is why it’s important to take preventive measures to protect them.

Here are some tips to help you avoid costly insurance claims and keep your split-system aircon in top condition.

Importance Of Taking Care Of Your Split System Aircon

Taking care of your air conditioner is crucial if you want to avoid insurance claims and costly repairs. A well-maintained system is not only more efficient but also lasts longer, which saves you money in the long run. Neglecting to service or clean your unit can result in decreased performance, increased energy consumption, and even potential health hazards if mold or bacteria get into the system.

Maintenance Tips To Keep Your Aircon In Top Condition

Regular maintenance is key to extending the life of your air conditioner. Here are some essential tips to keep your unit running efficiently:

  • Clean or replace filters every three months
  • Check evaporator and condenser coils annually and clean if necessary
  • Clear any blockages or debris around the unit
  • Test the thermostat and replace batteries if needed
  • Have a professional service the unit every year or bi-annually

Common Reasons For Aircon Damage And How To Avoid Them

Accidents happen, but some air conditioning issues can be avoided with proper care and attention. Here are some common reasons for aircon damage and ways to prevent them:

  • Electrical issues – make sure the unit is properly grounded and the electrical connections are secure.
  • Clogged drains – empty the condensate pan regularly and check for any signs of blockages in the drain line.
  • Refrigerant leaks – regularly check refrigerant levels and have any leaks repaired immediately.
  • Improper installation – have your unit installed by a licensed professional to avoid any potential problems down the road.

By following these tips, you can help prevent potential issues that come with owning a split system aircon. Proper maintenance and care for your unit will ensure it runs efficiently, extended its lifespan, and avoid any costly insurance claims.

Frequently Asked Questions For How To Claim A Split System Aircon On Insurance

How Can I Know If My Split System Is Covered By Insurance?

To determine if your split system aircon is covered by your insurance policy, read the product disclosure statement, or contact your insurer or broker to obtain specific advice.

What Types Of Damage Are Usually Covered By Insurance?

An insurance policy typically covers damage resulting from fire, natural disasters, burglary, or accidental damage. It’s always worth double-checking what your policy includes and excludes.

Should I Call An Insurance Adjuster Before Calling A Repairman?

Call a repairman first to determine the cost of repairs. Afterward, contact your insurance company and file a claim. They will send out an adjuster to assess the damage.

How Much Will My Insurance Payout For A Split System Aircon Damage?

The payout amount for damage to your split system aircon will depend on your insurance policy excess, the cost of repairs, and the level of coverage you have chosen.

Will Claiming Insurance For Split System Aircon Affect My Premiums?

Making a claim may result in an increase in premiums, and insurers may penalize customers who make multiple claims. It’s important to assess the situation before making a claim and determine if it’s worth it.

Can I Claim Insurance For Damage Caused By Wear And Tear?

No. Insurance policies typically do not cover damage caused by general wear and tear or lack of maintenance. It’s vital to maintain your split system aircon regularly and keep it in good working condition to avoid any issues caused by wear and tear.


As a homeowner, it is important to be prepared for unexpected events that may affect your property, such as damage to your split system aircon. Fortunately, insurance can provide a safety net in such situations. It is important to understand the specific requirements and limitations of your insurance policy when making a claim for your aircon.

Remember to contact your insurance provider as soon as possible and provide as much information as possible about the damage. Also, be sure to document the damage thoroughly to support your claim. While the process of claiming insurance for a split system aircon may seem daunting at first, following the steps outlined in this article can help to make it a smoother and more successful process.

Now that you know how to claim a split system aircon on insurance, you can have peace of mind knowing you have protection in case of unforeseen circumstances.

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