That’s where we also come to help. We will deal with the claims department on your behalf, through the entire process and try to negotiate a better outcome for you. If we believe that the insurer is incorrect in their decisions, we will challenge this through the correct processes including taking your claim to the Australian Financial Complaints Authority if necessary to have an independent decision made. Sometimes we have a differing view from insurers or the area of the claim is somewhat grey. This is done with utmost respect for all parties concerned.