Please note: For policies coming on or after 1 June 2026, claims are handled by Ag Guard Pty Ltd t/a Farmstyle Insurance ABN 42 168 502 645 AFSL 480716.

For policies commencing up to and including 31 May 2026, claims for Farmstyle Insurance are handled by the Issuer, QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545.

An excess is the amount you agree to pay towards a claim. More than one excess may apply in some circumstances.

If it is decided that another person or organisation was at fault for your damage or loss, you may not need to pay an excess. If you do need to pay an excess, you’ll usually pay it to your builder or repairer before they repair your property.

If it’s a contents claim and we replace your item, you can pay your excess to the supplier when you pick up your item. If your new item is being delivered, you’ll need to pay the excess before delivery.