AI-Powered Insurance Claims Management

Get the payout your
policy promises.

Your insurer wrote the policy to protect themselves. Claim4me reads it to protect you — and manages everything from dispute to settlement.

★★★★★ 4.8 stars · 2,000+ Australians helped

Get what I'm owed — no upfront cost

See how it works →

No upfront cost, ever. If we win your claim, our fee is 3% of the amount recovered. If we don't win, you pay nothing.

Good morning, Sarah 👋

Property Claim In Progress

$50,000

Estimated settlement

65% complete

Claim timeline

✓

Claim submitted

Mon 3 Feb

✓

Policy reviewed

Tue 4 Feb

Negotiating with insurer

In progress

Settlement paid

Pending

📱 Insurer responded — reply sent on your behalf

Claim resolved in 48 hrs

Submit Your Claim

We only get paid when you get paid

No upfront cost, ever. If we recover money for you, our fee is 3% of the settlement amount you receive. If we don't win, you owe us nothing — no hidden charges, no hourly rates.

Our AI reads your policy in full, identifies every clause you're entitled to claim under, and manages all communication with your insurer on your behalf.

Step 1 of 2

Upload your insurance policy

We'll read it instantly and set up your claim form automatically — no typing needed.

📋

Drop your policy document here

PDF · JPG · PNG · Max 15 MB

Browse files

Analysing your policy…

Reading your document

Extracting text…

Step 1 of 2 — Policy scanned ✓

🏠

Property & Home claim detected

Not right? Change to: Property · Vehicle · Travel · Health

⚠️ We couldn't read that document automatically

No problem — you can select your claim type below instead. You can also upload your policy document again in the next step.

Step 2 — Tell us about your claim

Full Name *

Email *

Phone Number *

Insurer Name *

Date of Incident *

Claim Type *

Approximate Claim Value

Not sure of the amount? Select "Not sure" — your specialist will assess this with you.

Property Type *

What happened? *

✅ Haven't contacted your insurer yet? That's fine — we handle all communication with them on your behalf.

Have you already contacted your insurer?

Have your policy document?

After submitting, email it to support@claimforme.ai with your Claim ID in the subject line.

Submit My Claim

Claim received! A Claim4me specialist will review your policy within 24 business hours and contact you at the email or phone number you provided. Check your inbox for a confirmation email.

Oops! Something went wrong while submitting the form.

Full Name *

Email *

Phone Number *

Insurer Name *

Date of Incident *

Claim Type *

Approximate Claim Value

Not sure of the amount? Select "Not sure" — your specialist will assess this with you.

Vehicle Registration Number

Was the vehicle a write-off?

What happened? *

✅ Haven't contacted your insurer yet? That's fine — we handle all communication with them on your behalf.

Have you already contacted your insurer?

Have your policy document?

After submitting, email it to support@claimforme.ai with your Claim ID in the subject line.

Submit My Claim

Claim received! A Claim4me specialist will review your policy within 24 business hours and contact you at the email or phone number you provided. Check your inbox for a confirmation email.

Oops! Something went wrong while submitting the form.

Full Name *

Email *

Phone Number *

Insurer Name *

Date of Incident *

Claim Type *

Approximate Claim Value

Not sure of the amount? Select "Not sure" — your specialist will assess this with you.

Travel Destination

Reason for Claim *

What happened? *

✅ Haven't contacted your insurer yet? That's fine — we handle all communication with them on your behalf.

Have you already contacted your insurer?

Have your policy document?

After submitting, email it to support@claimforme.ai with your Claim ID in the subject line.

Submit My Claim

Claim received! A Claim4me specialist will review your policy within 24 business hours and contact you at the email or phone number you provided. Check your inbox for a confirmation email.

Oops! Something went wrong while submitting the form.

Full Name *

Email *

Phone Number *

Insurer Name *

Date of Incident *

Claim Type *

Approximate Claim Value

Not sure of the amount? Select "Not sure" — your specialist will assess this with you.

Type of Health Claim *

What happened? *

✅ Haven't contacted your health fund yet? That's fine — we handle all communication with them on your behalf.

Have you already contacted your health fund?

Have your policy document?

After submitting, email it to support@claimforme.ai with your Claim ID in the subject line.

Submit My Claim

🎉

Claim received!

A Claim4me specialist will review your policy within 24 business hours. Check your inbox for a confirmation email.

View My Claim Dashboard →

Oops! Something went wrong while submitting the form.

96% Claim success rate

3.4x Higher average payout

48hr Average first response

$0 Cost to get started

Built by professionals from Australia's leading insurers

Cover-More

We read every clause,
so you don't have to.

Your insurer's policy is written to protect them, not you. Our specialists read every page, identify exactly what you're entitled to, and build your case before we even contact your insurer.

Get my full policy review →

Expert reviewing insurance policy documents

Claims specialist communicating with insurer on behalf of client

We handle every conversation with your insurer.

No more confusing calls or rejection letters. Claim4me communicates directly with your underwriter, disputes wrongful decisions using your policy's own language, and pushes for the maximum settlement.

Recover my payout →

You only pay when
we win your claim.

Our fee is 3% of the settlement — only charged when we succeed. Zero cost to start, zero financial risk to you. We're incentivised to get you every dollar you're owed.

Read our fee structure →

People celebrating a successful insurance claim outcome

$2.8M+

recovered for Australian policyholders

Join 2,000+ Australians who received the settlement their policy actually promised.

Start my claim — no upfront cost

How Claim4me works

Three simple steps to get the payout you deserve.

Step 01

Submit your claim details

Fill out our simple form and upload your insurance policy documents. It takes less than 5 minutes and our team reviews your case within 24 hours.

→

Step 02

We assess & build your case

Our AI reads your policy and flags every entitlement. Then a human specialist reviews the analysis, prepares all correspondence, and handles every interaction with your insurer — so nothing slips through the cracks.

→

Step 03

You receive your settlement

Once your claim is approved and your payout confirmed, we deduct our 3% success fee. No upfront costs, no hidden charges — ever.

Start My Claim Now

Going it alone vs. using Claim4me

The difference isn't just convenience — it's thousands of dollars.

✕ Going it alone

Policy language designed to confuse you
Weeks of phone calls and form letters with no resolution
No way to know if your payout offer is fair
Rejection letters with no clear appeal pathway
Pay for a lawyer out of pocket — or just give up

✓ With Claim4me

Expert policy review identifies all your entitlements
We handle every insurer interaction on your behalf
AI-verified assessment of your claim's true value
Wrongful rejections formally disputed with your policy's own clauses
$0 upfront — 3% fee only when we win your claim

Get what I'm owed

We handle all insurance claim types

Whether your claim was rejected, underpaid, or delayed — we can help.

Property Claims

Home, unit, contents, landlord, strata, and commercial property damage claims.

Recover my property payout →

Vehicle Claims

Car, motorcycle, and fleet damage claims. Write-offs, disputes, and total loss settlements.

Recover my vehicle payout →

Travel Claims

Trip cancellation, medical evacuation, lost luggage, and travel disruption claims.

Recover my travel payout →

Health Claims

Hospital, dental, optical, mental health, and specialist treatment claims.

Recover my health payout →

★ Rated 4.8 by 2,000+ Australians

Real results for real Australians.

Don't take our word for it — here are a few outcomes from our clients.

"When my bathroom started leaking my insurer rejected the claim within two weeks. Claim4me had my underwriter responding in 48 hours. I was awarded $50,000 a month later."

Sally J. — Sydney, NSW

"My car insurer offered $8,000 as a write-off. Claim4me disputed the valuation and got me $22,500. Couldn't believe the difference."

James T. — Brisbane, QLD

"They showed me exactly what my policy covered. I received $28,000 I had no idea I was owed. Seamless from start to finish."

Anita D. — Southbank, VIC

"My travel claim was rejected twice. Claim4me cited the exact policy clause and recovered $7,400 within three weeks."

Marcus W. — Perth, WA

"The flood damage to my unit was assessed at half what repairs cost. Claim4me got a reassessment and the correct amount paid."

Priya K. — Parramatta, NSW

"When my bathroom started leaking my insurer rejected the claim within two weeks. Claim4me had my underwriter responding in 48 hours. I was awarded $50,000 a month later."

Sally J. — Sydney, NSW

"My car insurer offered $8,000 as a write-off. Claim4me disputed the valuation and got me $22,500. Couldn't believe the difference."

James T. — Brisbane, QLD

"They showed me exactly what my policy covered. I received $28,000 I had no idea I was owed. Seamless from start to finish."

Anita D. — Southbank, VIC

"My travel claim was rejected twice. Claim4me cited the exact policy clause and recovered $7,400 within three weeks."

Marcus W. — Perth, WA

"The flood damage to my unit was assessed at half what repairs cost. Claim4me got a reassessment and the correct amount paid."

Priya K. — Parramatta, NSW

"I had no idea I could dispute a rejection. Claim4me recovered $14,000 for storm damage I thought I had lost forever."

Lena B. — Melbourne, VIC

"Three months of back-and-forth with my insurer resolved in two weeks. Claim4me knew exactly what to say and when."

Daniel F. — Adelaide, SA

"My health fund denied my orthopaedic claim. Claim4me found the policy clause that clearly covered it. Full amount approved."

Olivia M. — Gold Coast, QLD

"Worth every cent of the 3% fee. I received $65,000 on a claim my insurer initially offered $18,000 for. Life changing."

Thomas G. — Canberra, ACT

"Professional, responsive, results-driven. I didn't have to make a single phone call to my insurer. All handled."

Chen L. — Chatswood, NSW

"I had no idea I could dispute a rejection. Claim4me recovered $14,000 for storm damage I thought I had lost forever."

Lena B. — Melbourne, VIC

"Three months of back-and-forth with my insurer resolved in two weeks. Claim4me knew exactly what to say and when."

Daniel F. — Adelaide, SA

"My health fund denied my orthopaedic claim. Claim4me found the policy clause that clearly covered it. Full amount approved."

Olivia M. — Gold Coast, QLD

"Worth every cent of the 3% fee. I received $65,000 on a claim my insurer initially offered $18,000 for. Life changing."

Thomas G. — Canberra, ACT

"Professional, responsive, results-driven. I didn't have to make a single phone call to my insurer. All handled."

Chen L. — Chatswood, NSW

FAQ's

Your claims questions, answered

What types of claims do you handle?

We handle property damage, vehicle and auto, travel, and health insurance claims. If your insurer has rejected, delayed, or undervalued your claim, we step in and negotiate on your behalf.

How does the no win, no fee model work?

You only pay us if we win your claim. Our fee is 3% of the settled amount. If we cannot recover anything for you, you owe us nothing. There are no upfront costs or hidden charges.

How long does the claims process take?

Timelines vary by insurer and claim complexity. Simple claims often resolve within 2 to 6 weeks. Complex or disputed claims can take 2 to 4 months. We keep you updated at every stage.

Is my personal information kept private?

Yes. All documents and personal information you share are encrypted in transit and at rest. We never share your data with third parties without your explicit consent.

Can you help if my claim was already rejected?

Absolutely. Most of our clients come to us after a rejection. We review the basis for the rejection, assess your policy wording, and formally challenge the decision with your insurer or escalate to AFCA if needed.

Do I need to have already lodged a claim with my insurer?

No. Claim4me can handle your claim from the very beginning — you don't need to have contacted your insurer first. In fact, letting us lodge the claim from the start often leads to a faster and larger settlement.

What documents do I need to provide?

The most important document is your insurance policy (or certificate of insurance). If available, also provide any correspondence from your insurer, quotes or invoices for damage, and photos of the incident. Don't worry if you don't have everything — we can guide you on what to gather.

My insurer has offered a settlement — should I accept it?

Do not accept a settlement offer without speaking to us first. Insurers often make low initial offers hoping you'll accept quickly. Once you accept, you generally cannot claim further. Our job is to assess whether the offer reflects the full value of your claim under your policy.

Can you escalate my claim to AFCA?

Yes. If your insurer refuses to engage in good faith or maintains an unreasonable position, we can lodge a formal complaint with the Australian Financial Complaints Authority (AFCA) on your behalf. AFCA decisions are binding on insurers and the service is free to consumers.

Is there a time limit on making a claim?

Yes, most policies require you to notify your insurer "as soon as reasonably practicable" after an incident. There are also statutory limitation periods. We recommend submitting your claim as quickly as possible. If you are unsure whether you are still within time, contact us — we can review your policy and advise you.

Get the payout your
policy promises.

We only get paid when you get paid

We read every clause,
so you don't have to.

We handle every conversation with your insurer.

You only pay when
we win your claim.

How Claim4me works

Submit your claim details

We assess & build your case

You receive your settlement

Going it alone vs. using Claim4me

We handle all insurance claim types

Property Claims

Vehicle Claims

Travel Claims

Health Claims

Real results for real Australians.

Your claims questions, answered

Claim4me

Claim Types

Get in touch

Get the payout yourpolicy promises.

We only get paid when you get paid

We read every clause,so you don't have to.

We handle every conversation with your insurer.

You only pay whenwe win your claim.

How Claim4me works

Submit your claim details

We assess & build your case

You receive your settlement

Going it alone vs. using Claim4me

We handle all insurance claim types

Property Claims

Vehicle Claims

Travel Claims

Health Claims

Real results for real Australians.

Your claims questions, answered

Claim4me

Claim Types

Get in touch

Get the payout your
policy promises.

We read every clause,
so you don't have to.

You only pay when
we win your claim.