How to make a claim
If your claim is for one of the following, you can submit an
online claim:
-
Merchandise Protection claim
-
Price Protection claim
-
Stolen Card claim
For all other claims:
Step 1: Pick your claim type and download
your claim form.
If your claim is for one of the following, please complete an
Accident & Sickness claim form:
-
Critical Illness claim
-
Disability claim
If your claim is for Involuntary
Unemployment,
please complete an
Involuntary
Unemployment claim form:
If your claim is a Life or
Accidental
Death
claim, please call our claims
specialists on
0800 220 999 - Monday to Friday 10:30am - 7:00pm (NZDT)
Step 2: Check that you have all the required
information for
your claim
-
Include
your policy
/ account
number
-
Provide
copies of
any additional
information or documentation that supports
your claim, such as medical evidence, workers compensation documents,
job seeking evidence or certified copy of a death certificate
-
Sign and date your claim
form
Step 3: Send your completed claim form and
supporting
documents to
us by:
Post
PO Box 108022,
Newmarket, Auckland 1149
Submit your documents online
If you have any questions or require assistance with your claim,
contact us
* Emails may not be secure and we recommend that you do
not send any
personal
information by email.
What happens when you claim
We will respond to you within 10
working
days to advise
you of the outcome of your
claim or next steps.
You may be required to provide
additional information.
About Us
Hallmark Insurance (a member of the St Andrew’s Insurance Group), is a trusted insurance
company protecting consumers in both Australia and New Zealand.
Unique among its peers, Hallmark Insurance holds both general and life insurance licenses. This has
enabled Hallmark Insurance to protect customers with a comprehensive suite of products, seamlessly
integrating involuntary unemployment, accident and sickness cover, along with
essential life insurance.
Hallmark Insurance is well capitalised, adhering to rigorous standards set by the Australian
Prudential Regulation Authority (APRA) in Australia, and the Reserve Bank of New Zealand (RBNZ) in
New
Zealand. With its headquarters in Perth, Hallmark Insurance also operates through offices in
Melbourne and Sydney.
As an important part of the St Andrew’s Insurance Group, Hallmark Insurance values its status as a
locally owned and independent insurance company. Governance is provided by a Board of
Directors whose extensive experience underscores Hallmark Insurance’s commitment to
excellence and empathy in serving Australian and New Zealand consumers.
Overseas Policyholder Preference
An overseas policyholder preference applies to Hallmark General Insurance Company Ltd (HGIC). Under
Australian law,
if HGIC is wound up, assets in Australia must be applied to its Australian liabilities
before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may
not be able to rely on HGIC’s Australian assets to satisfy New Zealand liabilities.
Financial Strength Rating
The Insurance (Prudential Supervision) Act 2010 requires licensed insurers to have a current financial
strength rating that is given by an approved rating agency. Hallmark Life Insurance Company Ltd has been
given a BBB+ rating from Standard & Poor's.
The Standard & Poor's rating scale is as follows:
| AAA |
Extremly Strong |
| AA |
Very Strong |
| A |
Strong |
| BBB |
Good |
| BB |
Marginal |
| B |
Weak |
| CCC |
Very Weak |
| CC |
Extremely Weak |
| C |
Selective Default |
| D |
Default |
Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the rating categories.
The above table is a summary only. A full description of the rating scale is available via Standard & Poor's website.
Insurer Solvency Requirements
Both Hallmark Life and Hallmark General maintain solvency positions in excess of their current requirements or obligations. Refer to the table below.
|
NZD ('000)
|
Hallmark General
|
Hallmark Life |
Hallmark Life - Stat Fund 2 |
Prescribed Capital Amount
|
6,193 |
12,200 |
542 |
Capital Base
|
46,235 |
57,030 |
3,072 |
Solvency Margin
|
40,043 |
44,830 |
2,529 |
PCA Coverage
|
7.47 |
4.67 |
5.66 |
Unaudited – as at 31 May 2026
NOTE: Hallmark Life and Hallmark General's solvency calculations are based on APRA's solvency requirements.
Fair Conduct Programme Summary
As licensed insurers, Hallmark Life Insurance Company Limited and Hallmark General Insurance Company Limited (together "Hallmark") is required to establish and maintain a Fair Conduct Programme.
Our Fair Conduct Programme comprises a structured framework of policies, processes, systems and controls designed to ensure the fair treatment of our customers and adherence to the Fair Conduct Principle.
A summary of the key elements of Hallmark's Fair Conduct Programme is available here
