For Australians whose insurance claim was denied or underpaid

Your insurer denied your claim. Read the denial against your own policy — clause by clause — and run the dispute yourself, better informed.

DenialDecoder maps each reason in your denial letter to the exact clause in your own policy (PDS) — quoted wording, section citations, plain-English meaning, no verdicts. Then it gives you blank dispute templates, process guides, a deadline calculator, and a 30-day watchdog so nothing slips. You complete and send everything yourself.

Get the pack · $199 one-off What it does — and won't

Denial letter · excerpt — illustrative example

"Your claim is declined because the damage resulted from gradual deterioration, which is excluded under your policy."

1What the insurer is pointing at. The map lines this reason up against the exact PDS clause — quoted wording, section citation — so you can see the words yourself.

2What the words mean. Plain-English meaning alongside. No verdict on whether the denial is right or wrong — insurers and AFCA may read the same clause differently.

3What to do next. Blank IDR template, deadline calculator, 30-day watchdog — the dispute stays yours to run.

Illustrative format · built from the PDS you provide · never a pre-built index we don't have

The rules of this product

What the pack does — and what it will never do.

This is the load-bearing part of the page. The tool never assesses your claim, never predicts outcomes, never lodges anything, and never represents you. That's enforced in the design, not just promised in prose.

It does

Map each denial reason to your own policy-year PDS — quoted wording, section citations, plain-English meaning.

It won't

Assess the merits of your claim, predict outcomes, or tell you the insurer is wrong.

It does

Hand you blank IDR and AFCA letter templates plus process guides — you complete them with your facts and send them yourself.

It won't

Write the letter for you, lodge anything, or act on your behalf with your insurer or AFCA.

It does

Calculate your dispute deadlines from your dates and run a 30-day watchdog — reminders at lodgement, mid-window, and the insurer's deadline.

It won't

Guarantee the insurer reverses the denial, or advise whether to accept a settlement offer.

How it works

Your documents in. A mapped, organised dispute out.

Upload your denial + your PDS

Your insurer's denial letter and your policy-year Product Disclosure Statement. The mapping is built from your documents — never a generic clause index we don't have. Any staged launch library is human-verified per (insurer × product × PDS edition) before it ships; we never imply an index exists for a policy it doesn't cover.

Get the neutral reading map

Each denial reason lined up against the exact PDS clause: quoted wording, section citation, plain-English meaning. No verdict on whether the denial is right or wrong — that's for you (and IDR/AFCA) to decide.

Run the dispute yourself

Blank Internal Dispute Resolution letter template you complete and send, IDR/AFCA process guides, a deadline calculator with 30-day watchdog reminders, and an escalation document pack assembled from your own uploads if IDR fails.

The regulatory facts we build on

Standard IDR complaints: insurers must respond within 30 calendar days.Source: ASIC Regulatory Guide RG 271 · verified 2026-09-28
ASIC INFO 253 is the claims-handling licensing guidance that frames insurer obligations.Source: ASIC INFO 253 · verified 2026-09-28
Declined claims require a written IDR response from the insurer — that's the letter the pack helps you answer.Source: RG 271 IDR requirements · verified 2026-09-28

Pricing

One price. No cut of your payout.

$199 one-off · no subscription · no success fee

Reading map · blank IDR template · IDR/AFCA process guides · deadline calculator + 30-day watchdog · escalation document pack. You run the dispute; we organise the information.

Get the pack

The honest comparison: free sample IDR/AFCA letters exist — the Financial Rights Legal Centre publishes them, and for a simple dispute they may be all you need. What $199 buys here is the clause-by-clause map of your denial against your PDS, plus the deadline watchdog. If that bundle isn't worth $199 to you, use the free letters — we'd rather you knew that upfront.

30-day satisfaction guarantee. If the pack isn't useful, full refund — no forms, no interrogation. (Staged wording; final refund terms pending confirmation.)

FAQ

Real objections, answered straight

Will this tell me whether my denial is wrong?

No. The pack maps each denial reason to your PDS clause with quoted wording and plain-English meaning — it never assesses whether the denial is right or wrong, and never predicts the outcome. Insurers and AFCA may read the same clause differently, and the pack says so explicitly.

Do you write the dispute letter for me, or deal with my insurer?

Neither. You get a blank IDR letter template with guidance on each section; you complete it with your facts and send it yourself. We never lodge anything and never act on your behalf with your insurer or AFCA.

How fast do I get my pack?

It's a self-serve product: once you upload your denial letter and PDS, the reading map and templates are generated for you to work through at your own pace. We make no turnaround promises and no "tailored assessment" claims — the value is the clause-cited map and the deadline watchdog, not speed theatre.

Which insurers and policies does it cover?

The mapping is built from the PDS you provide, so it works with whatever insurer and policy-year you upload. Any pre-built clause index is human-verified per (insurer × product × PDS edition) before it ships — we never imply an index exists for an insurer or product it doesn't.

Is this legal advice?

No. DenialDecoder provides general information and document-drafting assistance only — not legal advice, not financial advice, not a claims-handling service. Solicitor review of the product's legal boundaries (including Corporations Act s 766H) is pending before anything goes public.

Denied doesn't mean done. Read the policy back at them.

Clause by clause. Your denial, your PDS, your dispute — run it yourself with better information. $199 one-off, no success fee, no cut of your payout.

Get the pack · $199

General information only. This product provides general information and document-drafting assistance only — it is not legal advice, financial advice, or a claims-handling service. We do not assess the merits of your claim, predict outcomes, or act on your behalf with your insurer or AFCA. Regulatory facts stated with sources and as-of dates; regulations change. Solicitor review (including Corporations Act s 766H) is pending before anything public; all copy describes the staged design. Pricing shown is staged prototype pricing.