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Complaints.

Something not right? Here’s how to tell us.

We want to hear it. A complaint lets us fix something — for you first, and for everyone who comes after.

The form

Tell us what went wrong

Please include a brief description of the issue — when it happened, who you dealt with, and what outcome you’re looking for. We reply within 24 hours to acknowledge, and within 10 business days with an outcome.

By submitting, you agree we may contact you about your enquiry. We’ll never share your details.

Our process

What happens after you tell us

Five steps. Published so you know exactly what to expect — and so you can hold us to it.

  1. 1

    Acknowledge within 24 hours

    The moment your complaint lands, we acknowledge it in writing. You get a reference number, the name of the senior team member handling it, and a rough timeline.

  2. 2

    Assign a senior team member

    Your complaint goes to someone senior — not the person you first spoke with. Independent eyes, proper authority to fix things.

  3. 3

    Investigate

    We pull your file, read the correspondence, listen to call recordings where relevant, and talk to the people involved. We’ll ask you for more detail if we need it.

  4. 4

    Respond within 10 business days

    You get a written response with what we found, what we’re doing about it, and any remediation. If the investigation takes longer than 10 business days, we tell you why and set a new date.

  5. 5

    Escalate externally if needed

    If our response doesn’t land right with you, we walk you through the external routes — AFCA for financial-service conduct, SIRA for CTP-claim issues, or the NSW Ombudsman.

External escalation

If our response doesn’t land right

You always have the option to escalate. Here are the right bodies, with phone numbers and links — use whichever matches the issue.

AFCA — Australian Financial Complaints Authority

Complaints about financial-service conduct — if our handling of an insurance claim or a fee falls into that.

SIRA — State Insurance Regulatory Authority

Complaints about anything CTP-claim related — insurer conduct, benefit decisions, medical-assessment disputes.

NSW Ombudsman

A general complaints body for NSW services. An option if the matter doesn’t fit AFCA or SIRA.

Law Society of NSW

If a lawyer is involved in your claim and the complaint is about their conduct or fees.

One more option: the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au specifically handles privacy-related complaints — if the issue is about how we’ve used or stored your personal information. See our Privacy Policy for detail.

Rather talk it through?

Call the main line and tell whoever answers it’s a complaint. It’s handed to a senior straight away.

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