Getting a claim paid out without receipts
Lost your receipts? There are other ways to provide proof of purchase
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
If you can prove ownership of the item you're claiming for, you can get a claim paid out without receipts. In fact, there are lots of ways you can show ownership without receipts.
How do insurance companies verify receipts?
To verify a contents insurance claim, you ordinarily need to have a receipt or some other proof of ownership. This is so you can show the insurer how much the item cost and that they were damaged or stolen.
The hardest part about a burglary insurance claim with no receipts is proving the item that was stolen existed. However, if you can show some other evidence that you owned the item and its value, your insurer is likely to accept your claim. Keep in mind that insurers may vary when it comes to what they will accept as proof of ownership.
It's not enough to just have the damaged item. You will need some evidence of purchase to prove you owned the item and to determine its value. You should find exactly what your insurer considers to be sufficient proof of ownership in the PDS next to "burden of proof".
Can I get a claim paid without receipts?
While a no-proof-of-purchase insurance claim can slow the process down, there are other forms of evidence insurers will accept. They may also accept the following evidence as proof of purchase or ownership:
- Credit card/bank statements showing evidence of purchase.
- Warranties and manuals you received when you first purchased the goods or items.
- Photographic evidence and videos in which the items appear.
- Declarations from friends and family who have seen the items.
- Original packaging for the item.
- Spare parts for the item.
How much evidence you will need is likely to depend on the nature and the value of the home and contents insurance claim. Some insurers will only require one piece of evidence; others might want more. To be on the safe side, send as much evidence as possible.
Do I still need to provide proof if the specific items are listed on my policy?
You can often list specific items you want cover for when you take out home and contents insurance. In these circumstances, you will generally need to provide some evidence of ownership at the time.
If these items are damaged or stolen down the line, this should make claiming for them a little easier. This is because your insurer is already aware that these items exist, so they probably won't require as much evidence. Remember though that this will vary between insurance providers.
More guides on Finder
Beginner’s guide to cryptocurrency tax in Australia
A beginner’s guide to your cryptocurrency tax obligations and how the ATO is targeting digital currency holdings in 2019.
Allianz vs AAMI car insurance
Allianz vs AAMI – compare policies side by side and see who has what matters to you.
Coles car insurance vs AAMI
Compare Coles and AAMI car insurance policies to see which provider comes out on top.
Bank of Melbourne Amplify Platinum
Pay no annual fee in the first year and enjoy 0% p.a. balance transfer and purchase rate offers – plus points per $1 on new purchases.
How to prepare an insurance claim if your property has been damaged in Australia’s bushfires
Helpful tips for documenting bushfire damage and making an insurance claim.
Wear and tear and car insurance
Learn what wear and tear is in car insurance.
Blockchain maturity by 2021: What it looks like and how to get there
Can "innovation as usual" win the blockchain race or will some countries change tack?
Australian Unity Overseas Visitor Health Cover
Does your visa require health cover? Check out Australian Unity's 6 OVHC options for working and holiday visas to see if they have a policy that's right for you.
IMF: Cryptocurrency stablecoins will likely put some banks out of business
The International Monetary Fund welcomes you to the age of digital currency.
David Kleiman, Hal Finney and others helped create Bitcoin, says Dr Craig Wright
Could this revelation impact the ongoing legal battle over Satoshi Nakamoto's name?
Ask an Expert