My claim was rejected - what are my options?
You can request full written reasons from the insurer, lodge an internal complaint, and if left unresolved, escalate the matter to the relevant ombudsman.
Is there a time limit to dispute a rejected claim?
Yes, policies usually require disputes to be raised within a specified period after the rejection (this is usually 90 days but can differ based on the policy).
Can an insurer reject a claim based on non-disclosure?
An insurer can reject a claim for non disclosure if the non disclosure was material to the risk and the insurer can show that such non disclosure would have affected the underwriting decision. Non disclosure of trivial facts may not be sufficient grounds.
Do I have to go through my insurers internal complaints first?
Yes, ombudsman services usually require that you have first given the insurer a reasonable opportunity to resolve the complaint before you approach them.
What happens if my insurer delays in paying out an accepted claim?
Unreasonable and unacceptable delays can be grounds for a complaint in itself. If this is not resolved it may be referred to the relevant ombudsman.
Can an insurer cancel my policy without notice?
No - insurers are generally required to provide reasonable notice prior to cancellation of a policy, except in cases of proven fraud and/or material misrepresentation.