Tell us about your situation and we'll review it for free. No obligation to proceed. We'll be in touch within 1–2 business days.

Section 1 - About You

Section 2 - Your Insurance Dispute

What type of Insurance is this about?

Home & Contents

Total & Permanent Disability (TPD)

Who is your Insurer?

What is the dispute about? Select all that apply

Claim declined (full or partial)

Claim amount — I think I've been underpaid

Delay in handling my claim

Policy cancellation or non-renewal

Premium increase or pricing dispute

Poor communication or conduct by the insurer

What Happened? Briefly describe your claim/situation

What did the insurer decide? (e.g claim declined, partial payment)

Have you already complained to your insurer directly?

No — I haven't contacted them yet

Yes — I raised it informally but didn't get a written response

Yes — I made a formal IDR complaint and received a final response

Yes — I made a formal IDR complaint and I'm still waiting for a response

If yes, have you received their final decision letter (also called an IDR response)

Yes

Approximately what amount is in dispute?

Under $5,000

$25,001 – $100,000

$100,001 – $500,000

Not sure / dispute is non-financial

Section 3 - Current Complaint Status

If you've already received a written response to your internal complaint from your insurer, when did you receive it?

Within the last 30 days

More than 6 months ago

More than 2 years ago

I haven't received a written response

Have you already lodged a complaint with AFCA?

Yes

Has the Insurer raised any of the following? Select all that apply.

Non-disclosure or misrepresentation (you didn't tell them something)

Fraud or suspected fraud

Policy exclusion (they say a specific clause excludes your claim)

Pre-existing condition

They say you're not covered under the policy at all

Are there any of the following complicating factors? Select all that apply.

The dispute involves a business or commercial policy

There are multiple parties involved (e.g. joint policyholders, third parties)

The insurer is relying on expert reports (e.g. builders, engineers, medical)

There's an ongoing legal dispute running alongside this

The insurer has appointed a loss assessor or investigator

Do you have documents related to the dispute? Select all that applty

A copy of my insurance policy / PDS

Written correspondence from the insurer (letters, emails)

A formal IDR response letter

Photos, receipts, or evidence related to the claim

Expert or assessor reports

I don't have any documents yet

How involved do you want to be in the process?

I want to handle it myself - I just need guidance and templates

I want help preparing documents but will manage communications myself

I'd prefer someone to handle as much of this as possible for me

Do you have any vulnerabilities? if yes please explain.

How did you find DisputeSmart?

Google search

A friend or family member recommended it

Is there anything you'd like us to know before we review your situation?

I confirm that the information I've provided is accurate to the best of my knowledge, and I understand that DisputeSmart is not a law firm or a financial firm and does not provide legal or financial advice.

I confirm that the information I've provided is accurate to the best of my knowledge, and I understand that DisputeSmart is not a law firm or a financial firm and does not provide legal or financial advice.

Yes

Free Case Assessment - DisputeSmart

Section 1 - About You

First name

Last name

Email address

Phone number

State

Section 2 - Your Insurance Dispute

What type of Insurance is this about?

Who is your Insurer?

What is the dispute about? Select all that apply

What Happened? Briefly describe your claim/situation

What did the insurer decide? (e.g claim declined, partial payment)

Have you already complained to your insurer directly?

If yes, have you received their final decision letter (also called an IDR response)

Approximately what amount is in dispute?

Section 3 - Current Complaint Status

If you've already received a written response to your internal complaint from your insurer, when did you receive it?

Have you already lodged a complaint with AFCA?

Has the Insurer raised any of the following? Select all that apply.

Are there any of the following complicating factors? Select all that apply.

Do you have documents related to the dispute? Select all that applty

How involved do you want to be in the process?

Do you have any vulnerabilities? if yes please explain.

How did you find DisputeSmart?

Is there anything you'd like us to know before we review your situation?

I confirm that the information I've provided is accurate to the best of my knowledge, and I understand that DisputeSmart is not a law firm or a financial firm and does not provide legal or financial advice.