Got a dispute with your insurer? We'll help you fight back.
Insurance companies have entire teams on their side. You deserve someone in your corner too. DisputeSmart helps everyday Australians lodge effective complaints through AFCA without the jargon, stress, or legal fees.
secured for consumers by AFCA in compensation and refunds in 2024-25
$0
upfront risk — your free assessment comes with no obligation to proceed
A decade
of experience on both sides of the system — we know exactly how this works
Does this sound like you?
Sound familiar?
✗Your insurance claim was rejected and you don't know why
✗You've called your insurer and got nowhere
✗The process feels designed to confuse you
✗You didn't even know you could escalate to AFCA
✗You can't afford a lawyer but you know something isn't right
✗You've accepted a low settlement because you didn't know your options
If any of this sounds like you we can help.
The process
How it works
1
Tell us what happened
Fill out our short intake form. It takes about 5 minutes and covers the key details of your claim and dispute.
2
Get your free assessment
We review your situation and send you a written assessment telling you honestly whether you have a case and what your options are.
3
We build your strategy
If you choose to proceed, we build your AFCA complaint strategy and guide you through every step of the process.
4
You get a fair hearing
You get to put your case to AFCA without the stress, the legal jargon, or the legal fees.
Why DisputeSmart
We know how insurers think because we've worked with them.
With over a decade of end-to-end complaints management experience, we know exactly how insurers think because we have worked inside the system.
We understand how insurers assess complaints, how they decide what to settle and what to fight, and where most policyholders go wrong when challenging a decision. That insider knowledge is what we bring to your corner.
DisputeSmart was built because too many Australians walk away from legitimate disputes. Not because they don't have a case, but because the process is designed to be difficult. We're here to change that.
10+
Years in complaints management
Both sides
Insurer and consumer experience
AFCA
Specialist knowledge of the process
✦
End-to-end complaints experience
From initial lodgement through to AFCA determination, we have managed it all from both sides of the table.
✦
Insurer-side knowledge
We know how insurers build their responses, what arguments they rely on, and where their positions are weakest.
✦
Plain-English guidance
No legal jargon. We explain exactly what is happening at each stage and what you need to do next.
We handle disputes across all major insurance types
🏠
Home and Contents
Denied or underpaid property claims, storm and flood disputes, building damage, contents theft, and more.
🏢
Commercial Property
Business premises, business interruption, commercial contents, and landlord insurance disputes.
🚗
Motor Insurance
Comprehensive car insurance disputes, total loss disagreements, at-fault decisions, and repair quality issues.
🛡️
Life and Income Protection
Life insurance claim denials, TPD disputes, income protection rejections, and policy interpretation issues.
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Not sure?
If you have an insurance dispute and are not sure if AFCA can help, submit your free assessment and we will tell you.
Transparent pricing
Simple, straightforward pricing
Self-Guided
$120
Strategy Only
We build your tailored complaint strategy. You lodge it yourself with confidence.
AFCA the Australian Financial Complaints Authority is a free, independent service that handles disputes between consumers and financial firms, including insurers. If your insurer has rejected or underpaid your claim and you've already tried to resolve it with them directly, you can escalate to AFCA. AFCA can require your insurer to pay or settle claims in a way that a regular complaint to the insurer cannot.
No. DisputeSmart is not a law firm and we do not provide legal advice. We are a complaints support service that helps you understand and navigate the AFCA process. If your matter requires formal legal representation, we'll tell you that clearly in your free assessment.
Once you submit the intake form, we review your situation and send you a written assessment usually within 2 business days. It will tell you honestly whether we think you have a viable case, what your options are, and which service tier we'd recommend. There's no obligation to proceed.
That's actually a requirement for AFCA you generally need to have gone through the insurer's internal dispute resolution process first. If you've already done that and aren't satisfied with the outcome, you're likely ready to escalate to AFCA and we can help you do that effectively.
It varies depending on complexity. Many complaints are resolved at the registration or referral stage sometimes within weeks. More complex disputes that go to a formal determination can take several months. We'll give you a realistic timeline estimate as part of your assessment.
Yes. Generally you have two years from when the insurer issues its final decision to lodge with AFCA. Don't wait the sooner you act, the more options you have.
Get started
Get a Free Assessment Today
Answer a few quick questions and we'll tell you exactly where you stand for free, with no obligation to proceed.