Claims Support & Advocacy
Support when it matters most
An insurance claim is the moment your cover is meant to do what it was designed for. DBI provides ongoing support and advocacy throughout the insurance claims process, helping clients understand what is required, what to expect, and how claims are handled in New Zealand.
Claims decisions are made by insurers in accordance with policy terms and conditions. DBI's role is to support you through the process, ensure claims are prepared correctly, and act as your point of contact from start to finish.
What You Can Expect
DBI's Role in a Claim
From first notification through to outcome, claims support is handled directly by your adviser.
Policy Review
Review relevant policy terms and benefits.
Clear Explanations
Explain eligibility, definitions, and requirements.
Claim Preparation
Prepare and submit claim documentation.
Insurer Communication
Communicate with insurers and third parties where required.
Ongoing Updates
Keep you informed as the claim progresses.
Outcome Guidance
Explain outcomes and next steps clearly.
Claims support is provided across personal and business risk insurance, including life, trauma, income protection, health, and business cover.
Responsibility for the claim remains with the same adviser throughout, ensuring continuity and accountability.
What to Expect During the Claims Process
While every claim is different, the process typically involves the following steps:
Initial contact
You notify DBI that a claim may be required. Early conversations help confirm whether a claim is likely to be valid under the policy terms.
Review of cover
Relevant policy wording is reviewed and explained so you understand what may be covered and what information is required.
Claim preparation
Claim forms and supporting documentation are completed and submitted to the insurer.
Assessment by the insurer
The insurer reviews the claim and may request additional information, such as medical reports or financial evidence.
Outcome and explanation
The insurer's decision is communicated, along with a clear explanation of the outcome and any next steps.
Throughout this process, DBI remains your primary point of contact.
Important Things to Understand About Claims
- •Claims outcomes are determined by insurers based on policy terms, conditions, and evidence.
- •Timeframes vary depending on the type of claim and the information required.
- •DBI cannot alter policy definitions or guarantee claim outcomes.
What DBI can do is ensure the process is explained, documentation is handled carefully, and communication is clear and consistent.
Ongoing Support
Claims support does not end with a decision. DBI can also assist with:
The aim is to ensure clients remain supported and informed, not left to navigate the process alone.
Claims and Accountability
DBI is led and operated by Blake Dowman. Advice, ongoing support, and claims assistance are provided directly by your adviser. When you call, your adviser answers. When you email, your adviser responds.
This direct approach ensures clear accountability and a consistent understanding of your situation over time.
If You Need to Discuss a Claim
If you believe you may need to make a claim, or would like to understand how a claim might work under your existing cover, support is available.