Complaint Handling Process

If you have a complaint about your insurance or the service we've provided, please follow the steps below. We take your feedback seriously and will do all we can to resolve any issues as quickly as possible.


  • Step 1. Contact our team

    The first thing you can do is to let us know what's occurred. Call our Customer Service Centre on  13 77 87 (Australia only). One of our consultants may be able to resolve the issue immediately.

    If not, talking with our Internal Dispute Resolution Team is the next step: see Step 2 for details.

  • Step 2. Contact the Internal Dispute Resolution (IDR) team

    If our customer service consultant can't resolve your complaint straight away, they can transfer you to a member of the IDR team. 

    Alternatively, you can write to us by sending us an email or via post: Complaints Officer, Insuranceline, Reply Paid GPO Box 5380 , Sydney NSW 2001

    Please include the following information in your email or letter:
    - The date and word 'Complaint' in the heading or subject line
    - Your name and contact details, including your daytime phone number and email address
    - An explanation of the issue, along with any relevant facts or documents

    Please keep a copy of your letter and original documents for your records.

    We'll respond, in writing within 48 hours, confirming that we've received your complaint. Our response will also include:
    - Your policy or claim number
    - A summary of the issue/s you've raised
    - The date we received your letter or email
    - Contact details for the Complaints Case Manager responsible for your case
    - The time frame in which we'll aim to resolve your complaint. Depending on the policy you have with us, this will be 45 or 90 days

    If your complaint has not been resolved to your satisfaction within the 45 or 90 day time frame, you can escalate the issue to an external organisation: see Step 3 for details.


  • Step 3. Contact an external organisation

    When we write to confirm we've received your complaint, we'll also provide contact details for an external dispute resolution (EDR) organisation.

    These are independent bodies that investigate and resolve complaints on behalf of consumers, and their services are free of charge.

    Please keep in mind that you need to have allowed the 45 or the 90 day responsive time frames to pass before using these services.

    EDR organisations include:

    Financial Ombudsman Service, which responds to complaints about life insurance, superannuation and financial planning advice.
          Phone: 1800 367 287
          Website: www.fos.org.au

    The Superannuation Complaints Tribunal, which responds specifically to issues relating to superannuation.
          Phone: 1300 884 114 or 03 8635 5580
          Website: www.sct.gov.au



  • Do you need assistance to make a complaint?

    •  The Translating and Interpreting Service (TIS National) provides interpreting services to people who do not speak English and to agencies and businesses that need to communicate with their non-English speaking clients. TIS National can be contacted on 131450. 
  • Can someone else make a complaint on my behalf?

    Yes. However, you will need to give us your verbal or written confirmation that you have authorised another person to pursue the complaint on your behalf. 

  • Telemarketing calls

    If you do not want to receive Insuranceline telemarketing calls, please call us on 13 77 87 (8am - 6pm AEST, Monday to Friday, excluding public holidays). Or lodge a request via our online complaints form.