In the news
Your Insurer Jacked Your Premium. ASIC Says Fight Back.
Australia's own financial regulator just told car insurance customers to challenge steep premium hikes and, in their words, call their bluff. That is not a consumer advocacy group talking. That is ASIC. If your renewal notice landed and your jaw dropped, you are not alone and you are not powerless. Insurers are counting on you to shrug, pay, and move on. This kit helps you do the opposite.
What the law says
Under the Australian Consumer Law, you have protections against misleading conduct and services that are not fit for purpose. Your insurer must be able to justify what it is charging you for. The Insurance Contracts Act 1984 (Cth) also governs your policy terms and your insurer's duty of utmost good faith, which cuts both ways. That duty means your insurer cannot simply invent a number and dare you to leave. You have the right to request a written explanation of how your premium was calculated. You have the right to lodge a dispute with your insurer's internal dispute resolution team at no cost. If that fails, you have the right to escalate to the Australian Financial Complaints Authority (AFCA) for free external review. None of these steps require a lawyer. All of them create a paper trail that insurers take seriously.
Related dispute guides
screwtheman.com is not a law firm and does not provide legal advice. This page gives general information on consumer rights and dispute pathways. For complex legal matters, consult a qualified lawyer or the relevant regulator.