Financial Rights Legal Centre
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Fact Sheets

Thes fact sheets are for information only. It is recommended that you get legal advice about your situation.
These resources have been produced with funding from NSW Office of Fair Trading.


Insurance


Bushfire Insurance Guide

This guide covers the following topics: Types of insurance; Whether your insurance policy covers bushfires; What are typical issues to consider in bushfire
Insurance claims; Additional benefits under most policies; The claims handling process; What can I do if my claim is refused, or if the claim is taking too long; and Keeping on top of finances.

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I’ve Had A Car Accident And I’m Uninsured

Your options vary greatly depending whether or not you were at fault. This factsheet goes through your options and rights depending on the circumstances of the accident.

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What Can I Do If My Car Insurance Claim Is Refused?

This fact sheet is an overview of some common reasons why an insurer may refuse your car insurance claim and what options you have after you have received a rejection.

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Making A Claim On Your Car Insurance

Useful tips and information about when to claim on your car insurance, paying excess, repairs, delays and how to raise a dispute with your insurance company.

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Making A Claim On My Home And/Or Contents Insurance

Useful tips and information about when to claim on your home and or contents insurance, paying excess, repairs, delays and how to raise a dispute with your insurance company.

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Help! My Insurance Claim Is Taking Forever!

Sometimes you can get stuck in limbo where you have made the claim but have not had a decision on your claim. This factsheet explains your rights to request information from the insurer or lodge a dispute if necessary.

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Flood Insurance Guide

This guide covers the following topics: Types of insurance; Whether your insurance policy covers flood; What are typical issues to consider in flood
Insurance claims; Additional benefits under most policies; The claims handling process; What can I do if my claim is refused, or if the claim is taking too long; and Keeping on top of finances.

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What Can I Do If I Am Investigated On An Insurance Claim?

Investigations by insurers can be very upsetting and intimidating. This fact sheet gives you information about your rights and responsibilities if you are being investigated for an insurance claim.

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Funeral Insurance

Funeral Insurance is a type of insurance that you take out to cover the cost of your funeral after you die. However, funeral insurance may not be your best option. This factsheet lists some valuable things to consider and possible alternatives to funeral insurance.

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What Can I Do If My Home And/Or Contents Insurance Claim Is Refused

This fact sheet is an overview of some common reasons why an insurer may refuse your home and or contents insurance claim and what options you have after you have received a rejection.

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Frequently Asked Insurance Questions

This factsheet answers commonly asked questions about car accidents, car insurance claims, insurance investigations and home and or contents insurance.

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What Can I Do If My Insurer Agrees To Pay Some, But Not All Of My Claim?

There may be many reasons why an insurer may pay some but not all of what you perceive to be the full value of your claim. In general, the most common reason is where the insurer’s assessment of the extent of damage differs to your assessment.

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Problem With The Quality Of Repairs (Arranged By The Insurer)

If you have had repairs done by your insurer and you are unsatisfied with the quality of workmanship or parts used or the timeliness of the work there are steps you can take. Regardless who actually does the work be the insurer’s authorised repairer or a subcontractor the insurance company is reasonable for the quality of the repairs.

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Rental Cars And Insurance

Rental car companies do not provide insurance. It is in fact a liability limitation product. It provides very poor coverage if you damage the rental car. If you are at fault in a car accident you usually have no cover for the damage to the other car!

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How To Use Your PDS

The insurance contract is made up of your certificate of insurance and the product disclosure statement (PDS). Together these documents set out the contractual rights and obligations of the insurer and the insured.

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Flood Premiums

If you have questions about getting flood cover or about rising premiums on your home insurance, read this factsheet.

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Buying Car Insurance

Buying car insurance can be confusing. There are lots of different types of insurance and a lot of different products to choose from. This factsheet will give you the information you need to compare products and choose the right type of insurance for your needs.

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My Premiums Are Too High

Like other businesses selling products and services, insurers are largely free to charge whatever they want, but this Factsheet can give you some information about why insurers might be raising your premiums when you can challenge an insurer’s commercial decision about how they set premiums.

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Dispute Resolution (Insurance)

This fact sheet will outline the process involved in raising a dispute with your insurance company. This fact sheet also covers the limited circumstance in which you are an uninsured driver, involved in a car accident where you are not at fault, and the other party has insurance and your claim for damage is less than $5,000.

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Storm Insurance

This factsheet will be useful if you have been affected by a disaster such as a cyclone or other storm. It gives information about rainwater and storm surge definitions, discusses how to deal with assessors, and explains common challenges made by insurance companies.

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