Insurance Complaint (AFCA) — $97
A few quick questions · $97 once · No card until the final step
Before you start: Insurance Complaint (AFCA)
Formal complaint to your insurer + AFCA escalation letter for denied, delayed, or underpaid insurance claims. Car, home, contents, travel, income protection. Common reasons: your insurance claim was denied or rejected; your insurer offered a lowball settlement.
- Answer plain questions about your situationAbout 5 minutes, one question at a time. No legal knowledge and no card needed.
- See how your document is set out, then pay $97 onceBy card through Stripe. The full document is drafted in about 5 minutes.
- Read it and confirm itChange the wording yourself or ask for a redraft (unlimited edits, 2 redrafts included), then confirm it and we email you the final PDF. Nothing is sent to anyone else.
You can stop at any point before paying, at no cost.
What's included
- Internal Dispute Resolution (IDR) letter to your insurer
- AFCA escalation complaint letter if the insurer doesn't respond
- References to the Insurance Contracts Act 1984 and the General or Life Insurance Code of Practice that applies to your cover
- Clear 30-day response deadline
What to have ready
- The key dates, and any amounts involved
- Any documents, emails or messages. Tell us in the chat what you have; the document can refer to them.
Common questions
What is AFCA?The Australian Financial Complaints Authority is the free, independent dispute resolution body for insurance, banking, and super complaints. If AFCA makes a determination in your favour and you accept it, the insurer must comply with it.
Do I need to complain to my insurer first?Yes. AFCA requires you to go through your insurer's Internal Dispute Resolution (IDR) process first. If they don't respond within 30 days, or you're unhappy with their response, you can escalate to AFCA.
How much can AFCA award?AFCA's Rules set limits on the claims it can hear and the compensation it can award, with a separate limit for non-financial loss. The current limits are published on AFCA's website.
Finish now, or come back later
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