Read the reason slowly
A decline letter should explain why the insurer says the claim is not covered or why the amount is lower than expected. Highlight policy terms, exclusions, evidence requests, and deadlines.
Build your review bundle
- The policy schedule and product disclosure statement
- The claim form and insurer letters
- Photos, reports, invoices, or expert evidence
- A short timeline of the event and claim handling
- The outcome you want the insurer to consider
Escalation path
Start with the insurer internal review process. If the issue remains unresolved, AFCA may be available for eligible disputes.