Plain-language guides to help you understand your rights when an insurance claim is denied.
TPD claims through super routinely take months because two decision-makers assess them. Here are the timeframes that actually apply, the warning signs of a stalled claim, and the free escalation steps.
Read moreWondering how long an AFCA complaint takes? Here are the realistic timeframes for each stage of the process, from registration to determination.
Read moreA statutory declaration can strengthen your insurance dispute. Learn what to include, common mistakes, and how to get one properly witnessed in Australia.
Read moreYour TPD claim has been denied by your super fund or insurer. Here is how to challenge the decision, from understanding disability definitions to lodging with AFCA.
Read moreIf your insurer has asked you to attend an independent medical examination, here's what you need to know about the process, your rights, and how to challenge an unfair report.
Read moreYour travel insurer has refused to pay. Here is how to challenge a denied travel insurance claim in Australia, from understanding exclusions to lodging with AFCA.
Read moreIf you accepted an insurance payout and later realised it was too low, you may still have options. Here's what Australian law says about reopening settled claims.
Read moreThere is no separate insurance ombudsman in Australia. The Australian Financial Complaints Authority (AFCA) handles all insurance disputes. Here's how the process works.
Read more"Wear and tear" is one of the most overused exclusion reasons in Australian insurance. Here's how to challenge it with evidence and the law on your side.
Read moreYou've sent your dispute letter. Now what? Here's what to expect from your insurer, the timeframes they must follow, and what to do if they reject your internal dispute.
Read moreYour income protection claim has been denied. Here is what Australian consumers can do to challenge the decision, from IDR to AFCA.
Read moreYour insurer denied your claim. Here's what Australian consumers can do next, from internal dispute to AFCA complaint.
Read moreA step-by-step guide to writing an Internal Dispute Resolution letter that gets results. Learn what to include, what to avoid, and the timeframes your insurer must follow.
Read moreAFCA is a free, independent service that resolves insurance disputes. Learn how it works, what it can award, and how to lodge a complaint.
Read moreStorm damage claims are among the most disputed in Australian insurance. Learn what your insurer must cover and how to challenge unfair denials.
Read moreYour insurer has signed up to detailed promises about claim handling. Learn what the Code of Practice requires and how to enforce those obligations.
Read moreYour insurer must let a different person review your claim from scratch. Learn how IDR works, the 30-day deadline, and when you can go straight to AFCA.
Read moreLearn how to lodge a complaint with AFCA step by step. Covers what documents you need, how to lodge online or by phone, and what remedies AFCA can award.
Read moreHad your car insurance claim denied? Learn the common reasons insurers refuse claims, the legal protections available to Australian drivers, and how to dispute the decision.
Read moreYour insurer may classify storm damage as flood damage to reduce what they pay. Understanding the difference could save you thousands on your claim.
Read moreInsurers must prove damage existed before your claim event. Learn how to challenge pre-existing damage denials and protect your rights.
Read moreInsurers must give you the assessor report they used to deny your claim. Learn your rights under the Code of Practice and what to do if they refuse.
Read moreInsurers often deny claims citing maintenance exclusions, but the exclusion only applies when lack of maintenance is the dominant cause of the loss, not just a contributing factor.
Read moreYour insurer accepted your claim but the payout falls short. Learn how to challenge an underpaid insurance settlement in Australia, step by step.
Read moreEvery insurance dispute runs on deadlines. Know the time limits for insurer responses, IDR complaints, and AFCA submissions so you never miss a critical window.
Read moreAFCA conciliation is a free, facilitated negotiation between you and your insurer. Here is what to expect, how to prepare, and what happens next.
Read moreAfter a natural disaster, the steps you take early can shape your insurance claim outcome. Here is what to do, what your insurer must do, and how to push back.
Read moreYour insurer has a legal duty to treat you fairly and honestly. Learn what utmost good faith means and how to hold your insurer accountable when they fall short.
Read moreLearn what evidence you need to dispute a denied insurance claim in Australia, from photos and expert reports to weather data and maintenance records.
Read moreYour Product Disclosure Statement is the contract that decides your insurance claim. Learn which sections matter most and how to use them in a dispute.
Read moreIf your insurer is taking too long to decide your claim, you have legal rights and formal escalation options. Here is what the rules say and what you can do about it.
Read moreSection 54 of the Insurance Contracts Act limits when insurers can deny your claim based on something you did or failed to do. Learn how this powerful provision works and when to use it.
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