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Free Case Assessment - DisputeSmart
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
First name
*
Last name
*
Email address
*
Phone number
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State
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State
NSW
QLD
TAS
WA
NT
VIC
ACT
SA
Section 2 - Your Insurance Dispute
What type of Insurance is this about?
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What type of Insurance is this about?
Home & Contents
Motor Vehicle
Life Insurance
Income Protection
Total & Permanent Disability (TPD)
Landlord Insurance
Pet Insurance
Other
Who is your Insurer?
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What is the dispute about? Select all that apply
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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
Other
What Happened? Briefly describe your claim/situation
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What did the insurer decide? (e.g claim declined, partial payment)
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Have you already complained to your insurer directly?
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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
At AFCA currently
Other
If yes, have you received their final decision letter (also called an IDR response)
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If yes, have you received their final decision letter (also called an IDR response)
Yes
No
N/A
Approximately what amount is in dispute?
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Approximately what amount is in dispute?
Under $5,000
$5,000 – $25,000
$25,001 – $100,000
$100,001 – $500,000
Over $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?
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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
1-3 months ago
3-6 months ago
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?
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Have you already lodged a complaint with AFCA?
Yes
No
Has the Insurer raised any of the following? Select all that apply.
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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
None of the above
Are there any of the following complicating factors? Select all that apply.
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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
None of the above
Do you have documents related to the dispute? Select all that applty
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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?
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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?
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How did you find DisputeSmart?
Google search
A friend or family member recommended it
Online forum
Advertisement
Other
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.
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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
No
Submit