Complaints & disputes
A PDF version of "Complaints and disputes" is available for download: (PDF 125 KB ).
Handling your complaint
To maintain our commitment to the General Insurance Code of Practice and provide quality service, Defence Service Homes Insurance Scheme (DSHIS) treats all complaints seriously.
Stage 1—Talk to us first
If you are unhappy with any aspect of our service or disagree with a decision we have made, please contact us to discuss the matter, and we may be able to resolve the issue promptly for you. If not, an experienced staff member will be assigned to liaise with you to address your complaint.
In most cases, we will resolve the matter within 15 business days. If the matter requires further investigation, we will agree to a new timeframe with you. If we cannot, you can report your concerns to the Australian Financial Complaints Authority (AFCA).
Stage 2—Have your complaint reviewed
If your complaint cannot be resolved within the new timeframe, or if you are not happy with the result from Stage One, you can ask for the decision to be reviewed. An impartial reviewer who has the appropriate experience, knowledge and authority will be assigned to your case. We will provide you with a decision within 15 business days (provided we have all necessary information and have completed any investigation required).
External dispute resolution
AFCA will not accept a dispute unless you have first tried to resolve it with us (stages 1 and 2). If you disagree with our Stage Two decision or if we are unable to resolve your complaint within 45 days you may refer it to AFCA. AFCA is an independent external dispute resolution service and is free to you. If you accept any decision made by AFCA, we will be bound by that AFCA decision. You are not bound by the AFCA decision. You may seek remedies elsewhere. In most cases, you have two years to lodge a dispute with AFCA from the date of our final response to your complaint.
AFCA can be contacted on:
For more information contact:
Defence Service Homes Insurance
The Client Dispute Form is available at Forms & Publications.