Free insurance guides, claim forms, calculators and educational content to help you make better insurance decisions.
Everything you need to know about motor insurance — types, coverage, claims and tips for getting the best value.
Download PDFHow to choose the right medical insurance plan for your family — comparing cover, hospitals, limits and premiums.
Download PDFA practical checklist of all the insurance covers your business needs to be fully protected and legally compliant.
Download PDFHow much life cover do you need? This guide helps you calculate the right amount and choose the right product.
Download PDFA clear, easy-to-follow guide to filing motor, medical, property and travel claims without stress.
Download PDFUnderstand your legal obligations under the Work Injury Benefits Act and how to ensure full compliance.
Download PDFDownload and complete the relevant claim form. Contact us if you need any assistance.
Your policy document is the legal contract — understand what is covered, what is excluded, and what your obligations are as the insured.
Always fully and honestly disclose all relevant information when applying for cover. Non-disclosure can void your policy at the time of a claim.
Your circumstances change — your vehicle value, business size, family composition. Review your insurance annually to ensure your cover is still adequate.
Late claim notification is a common reason for claim complications. Notify Hamarkoh as soon as an insured event occurs — do not wait.
After a motor accident, do not admit fault or make payments to third parties. This can prejudice your insurer's position and your claim.
A lapsed policy provides no cover. Set reminders for renewal dates and pay premiums on time to maintain continuous protection.
Our advisors are happy to explain any insurance concept or help you choose the right cover. No obligation.