Insurance Claim Denied? You Have the Right to Fight Back
A denied insurance claim is not the end of the road. Many denials are based on incorrect assessments, misapplied exclusions, or insufficient investigation. ClaimGuard's independent advocates have overturned hundreds of denied claims — and can assess yours for free.
500+
Denials Challenged
98%
Success Rate
$10M+
Recovered
Free
Denial Review
Common Reasons Insurance Claims Are Denied
Understanding why your claim was denied is the first step to overturning it. ClaimGuard reviews the denial reason and builds the evidence to challenge it.
Non-Disclosure
Insurer claims you failed to disclose a material fact at policy inception.
Exclusion Clauses
Insurer invokes a policy exclusion to deny coverage for the event.
Wear & Tear
Damage attributed to gradual deterioration rather than a covered event.
Incorrect Cause
The cause of damage is disputed or categorised as a non-covered peril.
Proof of Loss
Insurer argues insufficient evidence of damage, ownership or value.
Late Notification
Claim rejected on the basis of delayed lodgement after the event.
How We Fight Your Denied Claim
Free Denial Review
We assess the denial reason, your policy, and your grounds for overturning the decision.
Build Your Case
Independent reports, expert evidence and policy analysis to substantiate your position.
IDR Challenge
Formal challenge through the insurer's Internal Dispute Resolution process.
AFCA Complaint
If IDR fails, we support your escalation to the Australian Financial Complaints Authority.
Denied Claim FAQs
Can I appeal a denied insurance claim in Australia?
Yes. Every insured person has the right to request an Internal Dispute Resolution (IDR) review from their insurer. If the outcome remains unsatisfactory, you can escalate to AFCA. ClaimGuard manages this entire process on your behalf.
What are my chances of overturning a denied claim?
This depends on the denial reason and the evidence available. ClaimGuard provides a free initial assessment to give you an honest view of your prospects. In our experience, a significant proportion of denied claims are overturned when properly supported with independent evidence.
Is there a time limit to challenge a denied insurance claim?
Yes. You generally have 2 years from receiving the denial to lodge an AFCA complaint. However, acting promptly is important — evidence deteriorates, and the sooner we can assess your position, the stronger your case.
My claim was denied due to non-disclosure — can this be challenged?
Yes. Non-disclosure denials require the insurer to demonstrate the undisclosed information was material to their decision to provide cover and that they would not have provided cover had they known. ClaimGuard reviews these denials carefully and challenges them where the insurer has not met this legal threshold.