You may refer your complaint to the Australian Financial Complaints Authority (AFCA), if your complaint is not resolved to your satisfaction within 30 calendar days of the date on which you first made the complaint or at any time.  AFCA can be contacted as follows:

If your complaint remains unresolved after this process or you haven’t received a written response within 30 calendar days, your complaint may be reviewed by the Australian Financial Complaints Authority (AFCA).

Australian Financial Complaints Authority (AFCA)
Email: info@afca.org.au
Phone: 1800 931 678
Website: www.afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

Your complaint must be referred to AFCA within 2 years of the final decision, unless AFCA considers special circumstances apply. If your complaint is not eligible for consideration by AFCA, you may be referred to the Financial Ombudsman Service (UK) or you can seek independent legal advice. You can also access any other external dispute resolution or other options that may be available to you.

The Underwriters accepting this Insurance agree that:

1. if a dispute arises under this Insurance, this Insurance will be subject to Australian law and practice and the Underwriters will submit to the jurisdiction of any competent Court in the Commonwealth of Australia;

2. any summons notice or process to be served upon the Underwriters may be served upon:
   
   Lloyd’s Underwriters’ General Representative in Australia
   Suite 1603
   Level 16
   1 Macquarie Place
   Sydney NSW 2000
   
   who has authority to accept service on the Underwriters’ behalf;

3. if a suit is instituted against any of the Underwriters, all Underwriters participating in this Insurance will abide by the final decision of such Court or any competent Appellate Court.