Declined Claims
CLAIMS GUIDE
Declined Claims | Master Builders Insurance Brokers
What do I need to do?
My insurer declined (or partially declined) my claim. What now?
If your insurer declines the claim, they will provide you with the reasoning for the decline in a formal letter. They will also provide information on their Internal Dispute Resolution (IDR) process.
What is the IDR?
This is a service that all insurers are required to provide. It is independent from the original claims handler and it reviews the reasons for the claim being declined. Following the review, the IDR representative will then provide you with their reasoning on why they agree or disagree with the decline.
I have been through the AFCA process but my claim is still declined. Is there anything else I can do?
You will need to seek independent legal advice to see if there are any other avenues available to you.
I have been through the IDR process but my claim is still declined. Is there anything else I can do?
If the IDR process agrees that the claim should be declined, you may still be able to commence an External Dispute Resolution process via the Australian Financial Complaints Authority (AFCA). More information on that process can be obtained from your insurer, MBIB or the AFCA website:
