Insurance Lawyers

Insurance Law Specialists

Denning Insurance Law lawyers are experts in Australian insurance law. In fact, we have a well-earned reputation for excellence in all areas of insurance law working with people and businesses… never insurers.

Our expertise means we are well positioned to deliver proactive advice (both corporate advisory and regulatory), claims initiation and management, litigation, claims defence, insurance disputes and insurance recovery. We are always mindful of your internal strategies and ensure that we treat your matter with our personalised attention.

Kate Denning in a corridor
Lawyers signing documents

We Work For You

As insurance lawyers we work for you – people and businesses – but never for insurers. That means we have full focus on your case, always.

Detailed Scope of Work

It’s important to understand how a lawyer will assist you with a difficult situation. For every new client, we provide a comprehensive scope of work which outlines in simple terms what we will do to help you navigate the legal process.

two people shaking hands
insurance policy

Our Insurance Expertise

With over 50 years combined experience working in top tier firms, middle-tier niche firms and boutique firms, we have the full range of insurance expertise at our fingertips.

Our Insurance Services

We’re Here to Help

No matter what your specific situation, when you engage Denning Insurance Law for your insurance matter you get our top tier firm experience, backed by our boutique firm personal approach. We’re here to help.

lawyer typing on a keyboard

Our Frequently Asked Questions for Insurance Law

Personal injury claims can be an overwhelming and often confusing process. So to help make the process easier to understand, we’ve included some FAQs below.

Within Australia, there are three key regulators. These are: the Australian Financial Complaints Authority (AFCA) (formerly the Financial Ombudsman Service); the Australian Prudential Regulation Authority (APRA); and, the Australian Securities and Investments Commission (ASIC).

AFCA is the main dispute resolution body for the Australian financial system and provides an external dispute resolution service for members of the scheme. It deals with complaints by individual insureds against insurers or their brokers, which are within its terms of reference. The decisions of AFCA are binding on insurers.

APRA is the prudential regulator, which essentially means that they are responsible for the general administration of the current Insurance Act. They have the authority to set prudential standards for the entire general insurance industry. There has also been a framework developed that holds all of the prudential standards and practice guidelines. APRA deals with systemic matters at an institutional level and licenses insurance business to operate in Australia.

ASIC is the corporate regulator. They are in charge of the general administration of the Insurance Contracts Act and are also responsible for looking over and promoting the integrity of the market. They are also responsible for ensuring that consumers are protected properly.

We sit down with all of our new clients and ensure that we provide a thorough scope of work that clearly explains what we are going to do throughout the legal process and how we will help. Our process is tailored to each individual to ensure we are delivering the best possible result.

There are several duties of the insured. These responsibilities can include disclosing material information, reporting the loss or damage that has occurred to the authorities, providing notice of an event to their insurer and providing proof of loss to the insurer as well. The insured must also make sure that no information is actively concealed or misrepresented. The insured should also gather a list of the stolen or damaged goods/property.

It’s vital for the insured person to abide by these duties as failing to do so could result in a contract breach, losing the premiums paid or policy cancellation.

It can be confusing to fully understand the difference between the insured and the insurer. The insurer is known as the company that provides and sells insurance policies and deals with claims. If an event occurs that has been detailed in the policy, the insurer is the one in charge of ensuring appropriate financial coverage has been provided in the form of the sum assured.
The insured is the person or company that is actively being covered by that policy. What’s important to note is that we never work with insurers – only the insured people or businesses.

The three main categories of insurance that are found in Australia are as follows: life, health and general insurance. For life insurance, this includes a range of products that, upon passing away or injury, will provide payments.

General insurance extends to cover that has been bought by people for a variety of reasons, such as travel insurance for individuals. For businesses that have purchased general insurance, this usually includes public liability and product liability, and professional indemnity insurance.

Essentially, an insurance claim is submitted to a person or business’ insurance provider when seeking reimbursement for losses that are covered under the insurance policy selected. An insurance claim has to be filed if an event occurs that is covered under your insurance policy.

By filing an insurance claim, you are thereby notifying your insurer that an event has happened that is covered by your insurance policy. After this, your insurer should then pay you the claim amount.

It’s a great question and one that you may not think about too often. However, insurance is important as it provides peace of mind that there is financial security available for you and your loved ones should an unforeseen event happen. What could happen tomorrow is rarely something a person can predict and so it’s important to know that you have financial security.

When unforeseen events occur, they can leave devastating financial burdens behind. This is where insurance is of the utmost importance, as your insurance policy and provider will ensure that there is proper coverage for you and your family.

Should there be information that is crucial to a contract that is only held by one party, the principle of good faith would be employed. This duty ensures that a party possessing vital information has a duty to the other party involved in the contract to disclose all relevant knowledge. This then allows the other party to come to an accurate understanding of what they are accepting.

This duty of good faith has now become a term that is found in every general insurance contract in Australia. The insured and the insurer must act with the utmost good faith towards each other in all dealings. There can even be damages awarded to an innocent party should there be a breach.