An Independent Second Opinion
We have no relationship with your insurer. We independently review the information you've provided.
If we review your claim and don't believe we can add meaningful value, we'll let you know and issue a full refund.
The independent second opinion for insurance claims.
Denied, delayed, underpaid, or just not sure? Get an independent second opinion from an experienced insurance claims specialist - so you can understand your claim, know where you stand, and decide what to do next.
How we can help you
Something doesn't feel right with your claim?
Insurance claims can be confusing and stressful. You shouldn't need to be an insurance expert to understand your insurer's decision, what your policy says, or what your options are.
- Your claim has been denied
- Your settlement doesn't feel right
- Liability is being disputed by your insurer or someone else’s
- Your claim is delayed or going nowhere
- You don't understand your insurer's decision
- You're considering whether to challenge or complain
Why DisputeX
A clearer way to understand your claim
Independent expertise, practical guidance, and a straightforward fixed-fee service.
Reviewed by an Insurance Claims Specialist
Your claim is reviewed by someone with genuine insurance claims and dispute resolution experience.
No Value, No Charge
If we don't believe we can add meaningful value to your claim, we'll let you know and issue a full refund.
Keep 100% of Your Settlement
One fixed fee. No percentage of your settlement and no incentive for us to push you towards a particular outcome.
Fast Turnaround
Get your report within 48 hours, not weeks.
Secure & Confidential
Your information is handled securely when we review your claim and prepare your report.
Your report
What's included in your report
Everything you need to understand the insurer's position and make an informed next move.
Plain-English Summary
A clear breakdown of your claim, your insurer's response, and the core facts.
Policy & Regulatory Review
A review of your insurer's decision against your policy wording and relevant industry rules and regulations.
Supporting Evidence (Where Applicable)
Comparative listings, valuation data, or other relevant evidence considered where it may help your claim.
Dispute Resolution Principles
Consideration of relevant fairness principles and AFCA decisions where applicable to your situation.
Ready-to-Send Insurer Response
A structured response you can send to your insurer.
Suggested Next Steps
A practical roadmap covering internal reviews, formal complaints, or escalation to AFCA where appropriate.
Plus - One Free Follow-Up Review
When your insurer responds, we'll review their response once more at no additional cost, provided the follow-up occurs within 90 days.
We review claims from every major insurer
NRMA
AAMI
Allianz
YOUI
Budget Direct
QBE
And many more
How it works
Four simple steps to clarity
A straightforward process designed to give you a clear, practical answer.
01
Step 1
Tell us about your claim
Tell us what happened, what your insurer has told you so far.
02
Step 2
Upload your documents
Upload your policy, product disclosure statement, insurer correspondence and any supporting documents.
03
Step 3
Independent review
An experienced insurance claims specialist reviews your claim. If we believe we can’t add value, we'll let you know and issue a full refund.
04
Step 4
Receive your report
Get a structured, plain-English report within 48 hours explaining where you stand and what to do next.
Independent claim review
Know where you stand before making your next move.
Get an independent second opinion on your insurance claim with a clear, plain-English report prepared by an experienced insurance claims and dispute resolution specialist.