We offer protection for the things that matter most to you
You are not just a number to us… for us it’s personal
Making an insurance claim
You may never need to make a claim on you personal, rural, commercial or business insurances… but when things do go wrong, we’ll be here to support you

Our support and advice doesn’t stop after you purchase your policy. Our Claims Management Services are where we really shine and can add significant value for you. Your contract of insurance is a promise made by your insurer to help you if things do go wrong. If a claim is covered under the terms and conditions of your policy, you are entitled to make a claim.

When you make a claim on your insurance policy, your insurer will review your claim and see if the event or circumstances are risks covered by the policy.

It is worth noting that only very small percentage of claims are declined.

You will need to provide proof and evidence with your claim and the insurer will need to be certain your claim falls within the terms and conditions of your insurance policy.

This is often ascertained via an Insurance assessor appointed to help and represent the insurer in managing your claim.

Reef Insurance Brokers work for you to even the playing field…we will be your personal representative helping eliminate the frustration and complexity of the claim process.

We take care of lodging the claim on your behalf and guide you through the process while advocating for you. We understand that making a claim can be frustrating and stressful, so we endeavor to make the process easier by working closely with the Insurer’s Assessor, Repairers, appointed Legal Teams and Specialists to ensure we get the best outcome for you. We’ll also keep you updated every step of the way.

We want to see you back on your feet, so to speak, as quickly and painlessly as possible. After all, that’s what insurance is for.

It’s not until you have a claim or a loss that you find out how important your insurance really is. We understand how important it is for you to have a positive claims outcome and we’ll support you through your claim from start to finish.

Lodge a property claim for all Business & Personal claims
Lodge a motor vehicle claim for Car & Motorcycle Insurance

Our FNQ services promote trust, integrity, excellence, accountability and partnership


For your business
Finding cost-effective and sustainable small business insurance protection in Northern Queensland is no small feat. We understand - we live, and work here as well.
Personal insurance
When you need home and contents, landlord protection, cyber crime, accident and illness, residential strata or motor insurances then Reef IB have got you covered.
Who we are
Established in 2020 we have already helped many businesses and property owners find sustainable insurance options. We believe in fair, honest and efficient insurance and personal service that works for you.
Making a claim
Our support and advice don’t stop after you purchase your policy. Our Claims Management Services are where we really shine and can add significant value for you.
Contact us
We look forward to working with you

Reef Insurance Brokers
Caroline Holland
Email: hello@reefib.com.au
Phone: 0473 007 606

Address: PO Box 750 Bungalow Q 4870 and PO Box 962 Ravenshoe Q 4888

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Ten Seventy Pty Ltd T/A Reef Insurance Brokers is an Authorised Representative (AR # 1285127) of United Insurance Group AFSL no 327131. ABN: 48 646 410 335

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