Insurance Claim Denied?
Force Them to Respond.
Formal complaint to your insurer + AFCA escalation letter. Car, home, travel, income protection. $97.
When You Need This
- Your insurance claim was denied or rejected
- Your insurer offered a lowball settlement
- Your claim has been delayed for 30+ days with no response
- Your policy was cancelled unfairly
- Your total loss valuation is too low
- Your insurer is ignoring your calls and emails
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- Ready in about 5 minutes
- All Australian states and territories
- Stripe secured · 256-bit encrypted
How This Service Works
Everything you need to know before you start.
Not sure if this is the right service for you?
Contact SupportFrom Evidence to Document in 4 Steps
Describe the Dispute
Tell us about your claim, what the insurer said, and why you disagree. Include policy and claim numbers if you have them.
Mention Your Evidence
When you describe what happened, mention what you have: policy, claim correspondence, denial letter, photos, quotes — anything relevant. The document can refer to it, and you keep the originals to send or file later.
Our Programmatic Algorithms Draft Your Complaint
Our Programmatic Algorithms prepare your IDR letter and AFCA complaint citing the Insurance Contracts Act and Code of Practice.
Send to Your Insurer
Send the IDR letter first. If they don't respond within 30 days, lodge your AFCA complaint.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Insurance Complaint (AFCA) →$97 flat fee · You review it first · unlimited edits
What You Get
- 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
Everything About Insurance Complaint (AFCA)
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.
Is AFCA free?
Yes. AFCA is completely free for consumers. The insurer pays AFCA's costs.
What types of insurance does this cover?
Car, home & contents, travel, income protection, life insurance, pet insurance, landlord insurance, business insurance — any general or life insurance product within AFCA's jurisdiction.
How long does the AFCA process take?
It depends on the complaint. AFCA first refers it back to the insurer so they can try to resolve it; complex cases take longer.
Can I have a Insurance Complaint (AFCA) drafted for me instead of writing it myself?
Yes. Claim Done (claimdone.com.au) drafts a Insurance Complaint (AFCA) from the answers you give about your situation for a flat $97 AUD. You read and confirm the draft, then the final PDF is emailed to you. Start at claimdone.com.au/begin/?service=insurance-complaint. Claim Done is not a law firm and does not give legal advice.
How much does a Insurance Complaint (AFCA) cost, and how long does it take?
$97 AUD flat, shown before you pay, with no subscription. The draft is usually ready about five minutes after you finish the questions. It covers every Australian state and territory.
Do I need a lawyer to send a Insurance Complaint (AFCA) in Australia?
No. There is no legal requirement to use a solicitor to write or send a Insurance Complaint (AFCA); many people send their own. Claim Done drafts it for you and you approve it before it is sent.
Still have questions? Start anyway — no card required.
You can review everything before you pay. We don't charge until the very last step.
Start My Insurance Complaint (AFCA) →Don't Let Them Get Away With It.
A few quick questions about what happened. We create the real protected Insurance Complaint (AFCA) for you to read before payment. Pay only when you want to unlock the clean document.
Start My Insurance Complaint (AFCA) — $97 →