The Australian Financial Complaints Authority is the free, external body that resolves disputes between consumers and insurers once an insurer's internal complaints process is exhausted. We prepare and manage AFCA submissions on your behalf where a claim can't be resolved directly with the insurer.

Yes. Declined claims are one of our most common referrals. We review the insurer's reasons, assess whether they're supportable under the policy and the Insurance Contracts Act 1984, and advise on the strongest path forward — including internal dispute resolution (IDR) and AFCA.

Yes, including disputes involving building defects, common property damage, and disputes that intersect with NCAT proceedings.

It varies significantly with complexity, insurer responsiveness, and whether the matter proceeds to AFCA. We provide a realistic timeframe estimate once we've reviewed your policy and claim history.

Fee structures depend on the claim type and complexity — options can include a fixed fee, hourly rate, or a success-based arrangement. We'll set this out clearly in a Client Services Agreement before any work begins.