Proclaim’s goal in dealing with any customer complaint is to provide a prompt, transparent and fair process for the resolution of complaints and disputes.
Proclaim’s Internal Dispute Resolution Policy (IDR Policy) incorporates the standards and requirements prescribed by the Corporations Act 2001 and The Insurance Council of Australia Code of Practice.This includes the following general requirements:
In the event your complaint is not resolved, it will be treated as a dispute and will enter our “Internal Dispute Resolution” (IDR) process. The issue will then be considered by an independent and impartial Officer of Proclaim with the appropriate experience, knowledge and authority to deal with it. In some cases this function will be performed by our insurer client.By documenting our IDR policy in this way, we aim to ensure our staff:
A complaint can be made by telephone, in person or in writing. If a complaint is made in writing all responses will also be in writing.If you tell us you want our response reviewed, we will: a. Treat it as a dispute; b. Notify you of the name and contact details of the employee assigned to liaise with you in relation to your dispute; and c. Respond to your dispute within 15 business days provided we receive all necessary information and have completed any investigation required.In cases where further information, assessment or investigation is required we will agree reasonable alternative timeframes. If we cannot reach agreement you can report your concerns to Lloyds Australia.
A complaint can be made by contacting us in any of the following ways:Internet:
Telephone: 03 9660 5200
Mail: Proclaim, Level 9, 271 Collins Street, Melbourne, Vic, 3000
If all the relevant information has been received by us, then we will, within 15 business days of receipt of a complaint, either: Complete the investigation and advise you of the outcome; or
When we have completed our investigation of your complaint, we will advise you, in writing, of the outcome of the investigation. If the outcome is not in your favour, we will:
In special circumstances or where a claim is being or has been investigated, we may decline to release information but we will not do so unreasonably. In these circumstances, we will give you reasons. We will provide our reasons in writing upon request.
Where the complaint or dispute arises out of a policy issued under a binding authority with an Australian coverholder and we are unable to resolve the issue, the dispute may be referred to Lloyd’s Australia. Further details on this process can be found in the Lloyd’s IDR Leaflet and Proclaim’s Internal Dispute Resolution Policy.
If complaints authority has been delegated to us, we will be required to refer complaints information. In most circumstances we will be required to specifically report complaints reported that have not been resolved by the conclusion of the following business day. Generally the following minimum information must be included within the complaints submissions:
On or after 1 November 2018, where the complaint or dispute arises out of a policy defined as a ‘retail’ insurance product a complainant can escalate an unresolved complaint to the Australian Financial Complaints Authority (AFCA).
Telephone: 1800 931 678 (free call)1
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
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