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!important; min-width: 30px !important; margin-top: 5px; margin-bottom: 5px; } .header-top-search-form form button span{ display: none !important; } /*** PAGE SPECIFIC ***/ /*** Home page ***/ /* Banner Section */ @media (max-width: 767px) { /* Start fixes for Support Ticket: "Banner on Home Page" 08/08/2023 */ #banner-bubble-col .bubble-text{ font-size: 28px !important; line-height: 32px; } .banner-repeater-column-left{ width: 100% !important; } .banner-repeater-column-right{ display: none !important; } /* End fixes for Support Ticket: "Banner on Home Page" 08/08/2023 */ } #services-listing article section{ height: 270px } #services-listing article:nth-child(1){ margin-top: 80px } #services-listing article:nth-child(2){ margin-top: 50px } #services-listing article:nth-child(3){ margin-top: 20px } #services-listing article:nth-child(4){ margin-top: 40px } #services-listing article:nth-child(5){ margin-top: 80px } @media (min-width: 1200px) { .section-padding{ padding: 100px 0 !important; } /* .section-padding-top, .section-padding-bottom{ padding-left: 20px !important; padding-right: 20px !important; } */ } @media (min-width: 768px) and (max-width: 1199px) { .section-padding{ padding: 100px 40px !important; } .section-padding-top, .section-padding-bottom{ padding-left: 40px !important; padding-right: 40px !important; } } @media (max-width: 767px) { .section-padding{ padding: 100px 20px !important; } .section-padding-top, .section-padding-bottom{ padding-left: 20px !important; padding-right: 20px !important; } } .section-padding-lp{ padding: 100px 0 !important; } .section-padding-lp-bottom{ padding-bottom: 100px !important; } /* Column Margins */ .column-left-margin{ margin-right: 25px; } .column-right-margin{ margin-left: 25px; } .col3-left-margin { margin-right: 33.2px; } .col3-mid-margin { margin: 0 16.6px; } .col3-right-margin { margin-left: 33.2px; } /*** BRAND CSS ***/ /* Consistent Buttons */ /*** MOBILE ***/ @media only screen and (max-width: 1200px) { #services-listing article:nth-child(1){ margin-top: 0; } #services-listing article:nth-child(2){ margin-top: 0; } #services-listing article:nth-child(3){ margin-top: 0; } #services-listing article:nth-child(4){ margin-top: 0; } #services-listing article:nth-child(5){ margin-top: 0; } header.elementor-sticky--active #menu-search{ display: none !important; } .section-padding-lp{ padding: 50px 15px !important; } .column-left-margin{ margin-right: 0; } .column-right-margin{ margin-left: 0; } } /* Home Banner */ .home-banner .swiper-button-prev { padding: 5px 6.5px 1px 3.5px !important; margin-top: -50px !important; } .home-banner .swiper-button-next { padding: 5px 3.5px 1px 6.5px !important; margin-top: -50px !important; } @media only screen and (min-width: 1200px) and (max-width: 1400px) { #banner-bubble-col { width: 52%; } #banner-bubble-col > div { margin: 0 0 0 50px; } } @media only screen and (max-width: 1400px) { #banner-bubble-col > div { padding: 0 40px; } } /* Mobile */ @media only screen and (max-width: 767px) { #banner-bubble-col > div { max-width: 320px; margin: 0 auto; } .home-page-banner-slider-block a.elementor-button{ padding-left: 25px; padding-right: 25px; min-width: 160px } .home-page-banner-slider-block a.elementor-button, .home-page-banner-slider-block a.elementor-button span.elementor-button-text{ font-size: 17px !important; line-height: 1.2em; } } /*** Mob Strong Page ***/ #mob-services-listing article section{ height: 270px } #mob-services-listing article:nth-child(1){ margin-top: 100px } #mob-services-listing article:nth-child(2){ margin-top: 40px } #mob-services-listing article:nth-child(3){ margin-top: 40px } #mob-services-listing article:nth-child(4){ margin-top: 100px } @media (min-width: 1200px) { .section-padding{ padding: 100px 0 !important; } } /*** Search Results Page ***/ .archive #content { padding-top: 120px; } #search-page-container { /* margin: 0 20px; */ } #search-query-heading { font-weight: 400; } #search-container { display: flex; } #search-container > section { width: 75%; } .page-content.search-results{ width: 100%; } .page-content.search-results .search-results-section{ margin-bottom: 40px; } .page-content.search-results h1{ overflow-wrap: anywhere; margin-bottom: 35px; } .page-content.search-results h2{ margin-bottom: 8px; } .search-summary-column{ width: 25%; min-width: 213px; text-align: right; margin-top: 235px; margin-left: 30px; } .search-summary-column h3{ font-style: italic; padding-top: 30px; } .search-summary-column .search-results-section{ flex-direction: column; margin-bottom: 10px; } #search-again { width: 25%; min-width: 213px; position: absolute; right: 0; margin-top: 45px; } .page-content .search-details a{ text-decoration: none !important } @media only screen and (max-width: 1199px) { #search-again { position: relative; width: 100%; } .page-content.search-results h1{ font-size: 50px; } } /* Mobile */ @media only screen and (max-width: 767px) { #search-container { flex-direction: column-reverse; } .search-summary-column { margin-top: 0; margin-left: 0; width: 100%; text-align: left; } #search-container > section { width: 100%; } #search-again { width: 100%; } } #search-again h2 { margin-bottom: 10px; text-align: right; } #search-again input { font-size: 22px; background-color: #f8f8f8; padding: 8px 14px; margin-bottom: 10px; } #search-again button { font-size: 12px; background-image: linear-gradient( 90deg, var( --e-global-color-primary ) 0%, var( --e-global-color-secondary ) 100%); padding: 15px 60px 15px 60px; width: 100%; } #search-again button i { margin-right: 5px; } .search-summary-column .result-count { font-size: 16px; } .result-count { padding-bottom: 10px; } .search-results-section{ clear: both; display: flex; flex-wrap: wrap; justify-content: flex-start; column-gap: 3%; } .search-results-section h2 { margin-bottom: 2px; margin-top: 0; font-size: 20px; font-weight: 500; line-height: 24px; } .search-result{ clear: both; } .search-result h3{ margin-top: 0 !important; } .search-image{ width: 100%; float: left; } .search-image img{ height: 230px; object-fit: cover; } .search-details{ float: left; width: 100%; /* padding-left: 20px; padding-right: 20px; padding-bottom: 35px; padding-top: 25px; flex-grow: 2; display: flex; flex-direction: column; */ } .search-result-item{ width: 100%; /* margin-left: 1%; margin-right: 1%; */ margin-bottom: 30px; /* box-shadow: 0px 0px 10px 0px rgb(0 0 0 / 50%); */ display: flex; flex-direction: column; } .search-item-description { flex-grow: 2 } /*** Factsheet Print CSS ***/ @media screen { #print-logo { display: none; } } @media print { .single-factsheet .uw-sl { display: none; } .type-factsheet { margin-top: -180px; } #print-logo { display: block !important; top: 200px; } } /*** Breadcrumbs ***/ .fbc-page .fbc-wrap .fbc-items li:first-child { padding-left: 0; } /*** Floating Icons ***/ body .uwy.userway_p2 .uai, body .uwy.userway_p3 .uai { top: 45% !important; transform: none !important; left: auto !important; right: 8px !important; } #userwayAccessibilityIcon:hover { transform: scale(1.1) !important; } /*** Send Email Button ***/ .send-email-button { font-size: 20px; color: var( --e-global-color-text ) !important; background-color: #80C46B12; border-style: solid; border-width: 1px 1px 1px 1px; border-color: var( --e-global-color-17ed600 ); border-radius: 0px 0px 0px 0px; padding: 15px 35px 15px 35px; } /*** Accessibility Widget ***/ html.userway-s14-1 .userway-s14-active { word-spacing: 0.14em!important; letter-spacing: .10em!important; } html.userway-s14-2 .userway-s14-active { word-spacing: 0.18em!important; letter-spacing: .12em!important; } html.userway-s14-3 .userway-s14-active { word-spacing: 0.24em!important; letter-spacing: .18em!important; } /*** Sample Letter Generator ***/ .download-docx-button { display: none; } /*** Ratings ***/ .rating-result { display: none !important; } .rating-form textarea { background-color: #fff; } /*** Factsheets ***/ 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id="search-col"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-186eb80 elementor-view-framed elementor-hidden-mobile elementor-shape-circle elementor-widget elementor-widget-icon" data-id="186eb80" data-element_type="widget" data-widget_type="icon.default"> <div class="elementor-widget-container"> <div class="elementor-icon-wrapper"> <a class="elementor-icon" href="#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjIyMjQ4IiwidG9nZ2xlIjpmYWxzZX0%3D"> <i aria-hidden="true" class="fas fa-search"></i> </a> </div> </div> </div> </div> </div> </div> </header> </div> <div data-elementor-type="single-page" data-elementor-id="1492" class="elementor elementor-1492 elementor-location-single post-1078 page type-page status-publish hentry page_type-services-page" data-elementor-post-type="elementor_library"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-274f552 elementor-section-height-min-height home-banner elementor-section-boxed elementor-section-height-default elementor-section-items-middle ae-bg-gallery-type-default" data-id="274f552" data-element_type="section" data-settings="{"background_background":"gradient","shape_divider_bottom":"curve","shape_divider_bottom_negative":"yes"}"> <div class="elementor-background-overlay"></div> <div class="elementor-shape elementor-shape-bottom" data-negative="true"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none"> <path class="elementor-shape-fill" d="M500,97C126.7,96.3,0.8,19.8,0,0v100l1000,0V1C1000,19.4,873.3,97.8,500,97z"/> </svg> </div> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d357458 ae-bg-gallery-type-default" data-id="d357458" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-29fd060 elementor-widget elementor-widget-heading" data-id="29fd060" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Insurance Law</h1> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f3466a2 ae-bg-gallery-type-default" data-id="f3466a2" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-66f2f56 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default ae-bg-gallery-type-default" data-id="66f2f56" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b24e95 ae-bg-gallery-type-default" data-id="3b24e95" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="ae-visibility-hidden elementor-element elementor-element-adefc13 block-spacing-bottom elementor-widget elementor-widget-heading" data-id="adefc13" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <div class="elementor-heading-title elementor-size-default">Need assistance?</div> </div> </div> <div class="ae-visibility-hidden elementor-element elementor-element-4328043 elementor-widget elementor-widget-text-editor" data-id="4328043" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Insurance Law Service </div> </div> <div class="ae-visibility-hidden elementor-element elementor-element-da16a9f elementor-widget elementor-widget-text-editor" data-id="da16a9f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 1300 663 464 </div> </div> <div class="ae-visibility-hidden elementor-element elementor-element-4d24649 elementor-widget elementor-widget-text-editor" data-id="4d24649" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> </div> </div> <div class="ae-visibility-hidden elementor-element elementor-element-b60944f elementor-widget elementor-widget-text-editor" data-id="b60944f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Read more below </div> </div> <div class="elementor-element elementor-element-5d78059 elementor-widget elementor-widget-image" data-id="5d78059" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" width="800" height="533" src="https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_299135945.jpg" class="attachment-large size-large wp-image-22182" alt="insurance claim" srcset="https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_299135945.jpg 900w, https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_299135945-300x200.jpg 300w, https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_299135945-768x512.jpg 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> </div> </section> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-645c75e elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="645c75e" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4001777 column-left-margin ae-bg-gallery-type-default" data-id="4001777" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-b893236 elementor-widget elementor-widget-image" data-id="b893236" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/11/Financial-Rights-Website-Home-Page-Assets-20221117__Home-Contents.svg" class="attachment-full size-full wp-image-22391" alt="" /> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a77f760 column-right-margin ae-bg-gallery-type-default" data-id="a77f760" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2bbdb7f elementor-widget elementor-widget-text-editor" data-id="2bbdb7f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Insurance can help Australians get back on their feet after extreme weather events, accidents, crime, illness or the death of a loved one. When things go wrong people are often traumatised, and find it hard to understand or assert their legal rights. When insurance works as expected it can be the path to recovery. <b>Choose from the topics below to find fact sheets</b> to help you answer your insurance questions and concerns. </div> </div> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e95cf60 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e95cf60" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-58bb5d0 ae-bg-gallery-type-default" data-id="58bb5d0" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-34dd426 ae-grid-default overlay-h-pos-center overlay-v-pos-middle elementor-widget elementor-widget-ae-post-blocks-adv" data-id="34dd426" data-element_type="widget" data-settings="{"grid_columns":1,"grid_columns_tablet":1,"grid_columns_mobile":"1"}" data-widget_type="ae-post-blocks-adv.grid"> <div class="elementor-widget-container"> <div class="ae-post-overlay"> <div class="ae-post-overlay-wrapper"> <div class="ae-post-overlay-icon"> <i aria-hidden="true" class="fa fa-sync"></i> </div> <div class="ae-post-overlay-text"> Loading... </div> </div> </div> <div class="ae-outer-wrapper ae-height-100" data-source="case_study" data-pid="1078" data-wid="34dd426" data-disable_scroll_on_ajax_load="no" data-pagination_scroll_top_offset="0" > <div class="ae-post-collection" > <article class="ae-post-item ae-post-item-34dd426" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22283"> <div data-elementor-type="wp-post" data-elementor-id="22283" class="elementor elementor-22283" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-13dad44 case-study-section elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="13dad44" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d18818c column-left-margin ae-bg-gallery-type-default" data-id="d18818c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e151624 block-spacing-bottom elementor-widget elementor-widget-heading" data-id="e151624" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Fay’s Story: Poor claims handling</h2> </div> </div> <div class="elementor-element elementor-element-bcf5811 elementor-widget elementor-widget-text-editor" data-id="bcf5811" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Fay is an elderly widow living alone with mobility issues. Her home was flooded with sewerage after a water pipe burst. Fay made a claim with her insurer, which was accepted.</p> <p>Fay rang us in late 2022 after her home flooded a second time with sewerage. In the six months between the first claim and the second event, nothing had been done by the insurer. The home had not been cleaned, the contents had not been removed and the pipe had not been fixed. Fay was in unsuitable temporary accommodation which initially required her to climb 18 stairs to the bedroom. The insurer also required Fay to submit a second claim for the second flooding and pay another excess.</p> <p>We contacted the insurer to find alternate accommodation, and argued for the second claim to be reversed and the excess refunded. Fay’s home is now being repaired, the contents claim is almost finalised, the temporary accommodation is suitable, and we lodged complaints with ASIC and Code Compliance.</p> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f051b95 column-right-margin ae-bg-gallery-type-default" data-id="f051b95" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e388355 elementor-widget elementor-widget-image" data-id="e388355" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" width="900" height="600" src="https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_412334822.jpg" class="attachment-full size-full wp-image-23407" alt="" srcset="https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_412334822.jpg 900w, https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_412334822-300x200.jpg 300w, https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_412334822-768x512.jpg 768w, https://financialrights.org.au/wp-content/uploads/2022/11/AdobeStock_412334822-640x427.jpg 640w" sizes="(max-width: 900px) 100vw, 900px" /> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> </div> </div>  </div> </div> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-0543239 section-padding-bottom elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="0543239" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef3ab7a column-left-margin ae-bg-gallery-type-default" data-id="ef3ab7a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c79ba6 column-right-margin ae-bg-gallery-type-default" data-id="2c79ba6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-94d54db elementor-section-full_width elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="94d54db" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0e9c9c9 ae-bg-gallery-type-default" data-id="0e9c9c9" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-ada55c9 elementor-widget elementor-widget-template" data-id="ada55c9" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="22235" class="elementor elementor-22235 elementor-location-single" data-elementor-post-type="elementor_library"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-56c16e09 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle ae-bg-gallery-type-default" data-id="56c16e09" data-element_type="section" data-settings="{"background_background":"classic","shape_divider_top_negative":"yes","shape_divider_bottom":"curve","shape_divider_top":"curve"}"> <div class="elementor-shape elementor-shape-top" data-negative="true"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none"> <path class="elementor-shape-fill" d="M500,97C126.7,96.3,0.8,19.8,0,0v100l1000,0V1C1000,19.4,873.3,97.8,500,97z"/> </svg> </div> <div class="elementor-shape elementor-shape-bottom" data-negative="false"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none"> <path class="elementor-shape-fill" d="M1000,4.3V0H0v4.3C0.9,23.1,126.7,99.2,500,100S1000,22.7,1000,4.3z"/> </svg> </div> <div class="elementor-container elementor-column-gap-no"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c6ea89e problem-column-left ae-bg-gallery-type-default" data-id="2c6ea89e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-2c0dde41 elementor-section-height-min-height elementor-section-content-middle problem-section elementor-section-boxed elementor-section-height-default ae-bg-gallery-type-default" data-id="2c0dde41" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div data-ae-url="https://financialrights.org.au/debt-problem-solver/" class="has_ae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-712bd938 ae-link-yes ae-bg-gallery-type-default" data-id="712bd938" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-46d48217 elementor-widget elementor-widget-image" data-id="46d48217" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="/debt-problem-solver/"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/10/Financial-Rights-Website-Home-Page_Debt-Problem-Solver-2.svg" class="attachment-full size-full wp-image-9519" alt="" /> </a> </div> </div> <div class="elementor-element elementor-element-7b3e71d elementor-widget elementor-widget-heading" data-id="7b3e71d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default"><a href="/debt-problem-solver/">Debt Problem Solver</a></h3> </div> </div> <div class="elementor-element elementor-element-ce7f3ed elementor-widget elementor-widget-video" data-id="ce7f3ed" data-element_type="widget" data-settings="{"video_type":"vimeo"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <iframe class="elementor-video-iframe" allowfullscreen allow="clipboard-write" title="vimeo Video Player" src="https://player.vimeo.com/video/1038051485?color&autopause=0&loop=0&muted=0&title=1&portrait=1&byline=1#t="></iframe> </div> </div> </div> <div class="elementor-element elementor-element-211adb07 elementor-widget elementor-widget-text-editor" data-id="211adb07" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h5>Answer a few questions to find out what to do and where to find help when debts pile up.</h5> </div> </div> <div class="elementor-element elementor-element-5aa67727 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button" data-id="5aa67727" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="/debt-problem-solver/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Discover how we can help</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-29c9cb66 problem-column-right ae-bg-gallery-type-default" data-id="29c9cb66" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-3768ea7b elementor-section-height-min-height elementor-section-content-middle problem-section elementor-section-boxed elementor-section-height-default ae-bg-gallery-type-default" data-id="3768ea7b" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div data-ae-url="https://financialrights.org.au/dtop/" class="has_ae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6e089a72 ae-link-yes ae-bg-gallery-type-default" data-id="6e089a72" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4f3dfc90 elementor-widget elementor-widget-image" data-id="4f3dfc90" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="/motor-vehicle-accident-problem-solver/"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/10/Financial-Rights-Website-Home-Page_Motor-Vehicle-Accident-Problem-Solver-2.svg" class="attachment-full size-full wp-image-9520" alt="Motor Vehicle Accident Problem Solver" /> </a> </div> </div> <div class="elementor-element elementor-element-77f7ebae elementor-widget elementor-widget-heading" data-id="77f7ebae" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default"><a href="/motor-vehicle-accident-problem-solver/">Motor Vehicle Accident <br> Problem Solver </a></h3> </div> </div> <div class="elementor-element elementor-element-9d21453 elementor-widget elementor-widget-video" data-id="9d21453" data-element_type="widget" data-settings="{"video_type":"vimeo"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <iframe class="elementor-video-iframe" allowfullscreen allow="clipboard-write" title="vimeo Video Player" src="https://player.vimeo.com/video/1038365126?color&autopause=0&loop=0&muted=0&title=1&portrait=1&byline=1#t="></iframe> </div> </div> </div> <div class="elementor-element elementor-element-62748794 elementor-widget elementor-widget-text-editor" data-id="62748794" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h5>Answer a few questions to identify your rights and what steps to take after a car accident.</h5> </div> </div> <div class="elementor-element elementor-element-39f7083f elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button" data-id="39f7083f" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="/motor-vehicle-accident-problem-solver/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Discover how we can help</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-47e20eb elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle ae-bg-gallery-type-default" data-id="47e20eb" data-element_type="section" data-settings="{"background_background":"classic","shape_divider_bottom":"curve"}"> <div class="elementor-shape elementor-shape-bottom" data-negative="false"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none"> <path class="elementor-shape-fill" d="M1000,4.3V0H0v4.3C0.9,23.1,126.7,99.2,500,100S1000,22.7,1000,4.3z"/> </svg> </div> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9994fd4 ae-bg-gallery-type-default" data-id="9994fd4" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-2c167df elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="2c167df" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99e7efd ae-bg-gallery-type-default" data-id="99e7efd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-9bd25a6 ae-grid-default elementor-widget elementor-widget-ae-post-blocks-adv" data-id="9bd25a6" data-element_type="widget" data-settings="{"grid_columns":"3","grid_columns_tablet":"2","grid_columns_mobile":"1"}" data-widget_type="ae-post-blocks-adv.grid"> <div class="elementor-widget-container"> <div class="ae-outer-wrapper ae-height-100" data-source="page" data-pid="1078" data-wid="9bd25a6" data-disable_scroll_on_ajax_load="no" data-pagination_scroll_top_offset="0" > <div class="ae-post-collection" > <article class="ae-post-item ae-post-item-9bd25a6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6846"> <div data-elementor-type="wp-post" data-elementor-id="6846" class="elementor elementor-6846" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-a4660f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="a4660f2" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d7a74e ae-bg-gallery-type-default" data-id="0d7a74e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-07ade35 elementor-widget elementor-widget-image" data-id="07ade35" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://financialrights.org.au/getting-help/insurance/home-and-contents/"> <img width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/11/Financial-Rights-Website-Home-Page-Assets-20221117__Home-Contents.svg" class="attachment-full size-full wp-image-22391" alt="" /> </a> </div> </div> <div class="elementor-element elementor-element-eab92bc elementor-widget elementor-widget-heading" data-id="eab92bc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default"><a href="https://financialrights.org.au/getting-help/insurance/home-and-contents/">Home & Contents Insurance</a></h3> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-9bd25a6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6846"> <div data-elementor-type="wp-post" data-elementor-id="6846" class="elementor elementor-6846" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-a4660f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="a4660f2" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d7a74e ae-bg-gallery-type-default" data-id="0d7a74e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-07ade35 elementor-widget elementor-widget-image" data-id="07ade35" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://financialrights.org.au/getting-help/insurance/motor-vehicle-insurance/"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/11/Financial-Rights-Website-Home-Page-Assets-20221117__Motor-Vechicle.svg" class="attachment-full size-full wp-image-22396" alt="" /> </a> </div> </div> <div class="elementor-element elementor-element-eab92bc elementor-widget elementor-widget-heading" data-id="eab92bc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default"><a href="https://financialrights.org.au/getting-help/insurance/motor-vehicle-insurance/">Motor Vehicle Insurance</a></h3> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-9bd25a6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6846"> <div data-elementor-type="wp-post" data-elementor-id="6846" class="elementor elementor-6846" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-a4660f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="a4660f2" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d7a74e ae-bg-gallery-type-default" data-id="0d7a74e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-07ade35 elementor-widget elementor-widget-image" data-id="07ade35" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://financialrights.org.au/getting-help/insurance/other-insurance/"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2022/11/Financial-Rights-Website-Home-Page-Assets-20221117__Other-Insurances.svg" class="attachment-full size-full wp-image-22398" alt="" /> </a> </div> </div> <div class="elementor-element elementor-element-eab92bc elementor-widget elementor-widget-heading" data-id="eab92bc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default"><a href="https://financialrights.org.au/getting-help/insurance/other-insurance/">Other Insurance</a></h3> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> </div> </div>  </div> </div> </div> </div> </div> </section> <section class="ae-visibility-hidden has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6e6c385 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="6e6c385" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca2f540 ae-bg-gallery-type-default" data-id="ca2f540" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-e84211d elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e84211d" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7fa7ecd column-left-margin ae-bg-gallery-type-default" data-id="7fa7ecd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-de5edf8 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="de5edf8" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1445626 column-left-margin ae-bg-gallery-type-default" data-id="1445626" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3a215fe block-spacing-bottom elementor-widget elementor-widget-heading" data-id="3a215fe" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Fact Sheets</h2> </div> </div> <div class="elementor-element elementor-element-54a152f block-spacing-bottom elementor-widget elementor-widget-text-editor" data-id="54a152f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Find out more information from our Fact Sheets below. </div> </div> <div class="elementor-element elementor-element-dfde3f6 block-spacing-bottom ae-grid-default elementor-widget elementor-widget-ae-post-blocks-adv" data-id="dfde3f6" data-element_type="widget" data-settings="{"grid_columns":1,"grid_columns_tablet":1,"grid_columns_mobile":"1"}" data-widget_type="ae-post-blocks-adv.grid"> <div class="elementor-widget-container"> <div class="ae-outer-wrapper ae-height-100" data-source="factsheet" data-pid="1078" data-wid="dfde3f6" data-disable_scroll_on_ajax_load="no" data-pagination_scroll_top_offset="0" > <div class="ae-post-collection" > <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/insurance-investigations/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Insurance Investigations</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/car-insurance-claim/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Car Insurance Claim</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/written-off-vehicles/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Written-off Vehicles</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/mortgage-stress/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Mortgage Stress</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/financial-hardship/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Financial Hardship</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/credit-reports/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Credit Reports</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/direct-debits/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Direct debits</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/bankruptcy/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Bankruptcy</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/recovery-of-old-debts/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Recovery of Old Debts</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/accessing-your-superannuation-early/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Accessing your superannuation early</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/paying-insurance-excess/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Paying Insurance Excess</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/bushfire-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Bushfire Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/earthquake-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Earthquake Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/flood-premiums/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Flood Premiums</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/insurance-claims-management-services/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Insurance Claims Management Services</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/home-or-contents-insurance-claims/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Home or Contents Insurance Claims</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/funeral-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Funeral Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/storm-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Storm Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/tree-damage-in-a-storm/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Tree damage in a Storm</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/flood-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Flood Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/homes-and-or-contents-insurance-claim-refused/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Homes or Contents Insurance Claim Refused</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/high-insurance-premiums-or-cover-refused/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">High Insurance Premiums or Cover Refused</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/insurance-complaints-to-afca/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Insurance Complaints to AFCA</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/understanding-your-insurance-policy/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Understanding your Insurance Policy</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/rental-cars-and-insurance/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Rental Cars and Insurance</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/insurance-claim-delay/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Insurance Claim Delay</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/getting-your-loan-documents/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Getting Your Loan Documents</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/repossession/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Repossession</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/reversing-bank-transactions/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Reversing Bank Transactions</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-dfde3f6" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-6903"> <div data-elementor-type="wp-post" data-elementor-id="6903" class="elementor elementor-6903" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/factsheet/dealing-with-debt-collection/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Dealing with Debt Collection</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> </div> </div>  </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2e77954 column-right-margin ae-bg-gallery-type-default" data-id="2e77954" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1e40a5d block-spacing-bottom elementor-widget elementor-widget-heading" data-id="1e40a5d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Sample Letters</h2> </div> </div> <div class="elementor-element elementor-element-2f71543 block-spacing-bottom elementor-widget elementor-widget-text-editor" data-id="2f71543" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Find out more information from our Sample Letters below. </div> </div> <div class="elementor-element elementor-element-4a9d14f ae-grid-default elementor-widget elementor-widget-ae-post-blocks-adv" data-id="4a9d14f" data-element_type="widget" data-settings="{"grid_columns":1,"grid_columns_tablet":1,"grid_columns_mobile":"1"}" data-widget_type="ae-post-blocks-adv.grid"> <div class="elementor-widget-container"> <div class="ae-outer-wrapper ae-height-100" data-source="sample-letter" data-pid="1078" data-wid="4a9d14f" data-disable_scroll_on_ajax_load="no" data-pagination_scroll_top_offset="0" > <div class="ae-post-collection" > <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-requesting-hardship-variation-on-a-consumer-loan-or-lease/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter requesting hardship variation on a consumer loan or lease</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/offer-of-settlement-where-you-agree-you-owe-all-or-part-of-a-debt/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Offer of settlement – where you agree you owe all or part of a debt</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/debt-collector-old-debts-2/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Debt collector (old debts)</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-to-bank-canceling-direct-debit-authority/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to bank cancelling direct debit authority</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/dealing-with-debt-collection-2/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Dealing with debt collection</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-to-insurer-disputing-amount-claimed/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to other driver’s insurer disputing amount claimed</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letters-cant-pay-excess/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to your insurer – can’t pay excess</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/insurance-code-complaint-2/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Insurance Code complaint</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-to-insurer-raising-a-dispute/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to your insurer raising a dispute</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-to-insurer-requesting-release-from-debt/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to other party’s insurer requesting release from debt</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/letter-to-insurer-requesting-documents/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to your insurer requesting documents</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/requesting-documents/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Requesting documents</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/merchant-cancelling-a-direct-debit-authority/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to business cancelling a direct debit authority</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/offer-to-pay-insurance-debt/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Letter to other party’s insurer offering to pay insurance debt</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> <article class="ae-post-item ae-post-item-4a9d14f" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-22229"> <div data-elementor-type="wp-post" data-elementor-id="22229" class="elementor elementor-22229" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-e569d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="e569d85" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d131801 ae-bg-gallery-type-default" data-id="d131801" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1ef3993 elementor-align-left elementor-widget elementor-widget-button" data-id="1ef3993" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/sample-letter/sample-letter-guidelines/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Sample Letter Guidelines</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> </div> </div>  </div> </div> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-inner-section elementor-element elementor-element-861a8ad elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="861a8ad" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d7525e2 column-left-margin ae-bg-gallery-type-default" data-id="d7525e2" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> </div> </div> </div> </section> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-2ff39f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="2ff39f5" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c5bdc61 column-left-margin ae-bg-gallery-type-default" data-id="c5bdc61" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-09e668b elementor-widget elementor-widget-image" data-id="09e668b" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" width="800" height="800" src="https://financialrights.org.au/wp-content/uploads/2022/07/National-Debt-Hotline-logo.svg" class="attachment-large size-large wp-image-1522" alt="" /> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8954a54 column-right-margin ae-bg-gallery-type-default" data-id="8954a54" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-348839a elementor-widget elementor-widget-text-editor" data-id="348839a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Financial Counselling Australia coordinates the National Debt Helpline (NDH), which consists of a national phone service operating under the 1800 007 007 number and is complemented by the <a href="http://www.ndh.org.au/">NDH website</a>. </p><p>Financial Rights is one of two services in NSW that answers the NDH. If you are struggling with debt, you can talk to a free financial counsellor over the phone on 1800 007 007.</p><p>NDH is a not-for-profit service that helps people tackle their debt problems. It is not a lender and does not ‘sell’ anything or make money from you. The NDH professional financial counsellors offer a free, independent and confidential service.</p><p><strong>NDH is here to help you get back on track</strong></p> </div> </div> </div> </div> </div> </section> </div> <div data-elementor-type="footer" data-elementor-id="76" class="elementor elementor-76 elementor-location-footer" data-elementor-post-type="elementor_library"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-12c5110 footer-make-a-difference elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="12c5110" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-50b938a column-left-margin ae-bg-gallery-type-default" data-id="50b938a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d630c72 elementor-widget elementor-widget-heading" data-id="d630c72" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Help us make a difference</h2> </div> </div> <div class="elementor-element elementor-element-a0c78c4 elementor-widget elementor-widget-text-editor" data-id="a0c78c4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Support the work of the Financial Rights Legal Centre today.</p> </div> </div> <div class="elementor-element elementor-element-d44c734 elementor-mobile-align-justify elementor-widget elementor-widget-button" data-id="d44c734" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://financialrights.org.au/about-us/support-our-work/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Donate</span> </span> </a> </div> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b55e69 column-right-margin ae-bg-gallery-type-default" data-id="3b55e69" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-c66f0cf ae-grid-default elementor-widget elementor-widget-ae-post-blocks-adv" data-id="c66f0cf" data-element_type="widget" data-settings="{"grid_columns":1,"grid_columns_tablet":1,"grid_columns_mobile":"1"}" data-widget_type="ae-post-blocks-adv.grid"> <div class="elementor-widget-container"> <div class="ae-outer-wrapper ae-height-100" data-source="testimonial" data-pid="1078" data-wid="c66f0cf" data-disable_scroll_on_ajax_load="no" data-pagination_scroll_top_offset="0" > <div class="ae-post-collection" > <article class="ae-post-item ae-post-item-c66f0cf" > <div class="ae-post-item-inner"> <div class="ae_data elementor elementor-21477"> <div data-elementor-type="wp-post" data-elementor-id="21477" class="elementor elementor-21477" data-elementor-post-type="ae_global_templates"> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-2bc69b8 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle ae-bg-gallery-type-default" data-id="2bc69b8" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef046ab ae-bg-gallery-type-default" data-id="ef046ab" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-74dd7ed elementor-widget elementor-widget-text-editor" data-id="74dd7ed" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> Francesco knew the answer to every question I had and was so thorough with his response. He listened to my insurance concern with no judgement and was matter of fact, polite, empathic and extremely helpful and encouraging. </div> </div> </div> </div> </div> </section> </div> </div> </div> </article> </div> </div>  </div> </div> </div> </div> </div> </section> <section class="has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-31ac0766 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default" data-id="31ac0766" data-element_type="section" id="footer-top" data-settings="{"background_background":"classic","shape_divider_top":"curve","shape_divider_top_negative":"yes"}"> <div class="elementor-shape elementor-shape-top" data-negative="true"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none"> <path class="elementor-shape-fill" d="M500,97C126.7,96.3,0.8,19.8,0,0v100l1000,0V1C1000,19.4,873.3,97.8,500,97z"/> </svg> </div> <div class="elementor-container elementor-column-gap-default"> <div class="has_ae_slider elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-321caba7 ae-bg-gallery-type-default" data-id="321caba7" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-76c23b9 elementor-widget elementor-widget-image" data-id="76c23b9" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="/"> <img loading="lazy" width="800" height="800" src="https://financialrights.org.au/wp-content/uploads/2019/03/Financial-Rights-Logo_Horizontal_Positive.svg" class="attachment-large size-large wp-image-25222" alt="" /> </a> </div> </div> <div class="elementor-element elementor-element-fe68afd elementor-widget__width-auto elementor-widget elementor-widget-image" data-id="fe68afd" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2019/03/Aboriginal-Flag.svg" class="attachment-full size-full wp-image-1339" alt="" /> </div> </div> <div class="elementor-element elementor-element-f602d46 elementor-widget__width-auto elementor-widget elementor-widget-image" data-id="f602d46" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" width="1" height="1" src="https://financialrights.org.au/wp-content/uploads/2019/03/Torres-Straight-Islander-Flag.svg" class="attachment-full size-full wp-image-1341" alt="" /> </div> </div> <div class="elementor-element elementor-element-72e221e elementor-widget__width-auto elementor-widget elementor-widget-image" data-id="72e221e" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" width="256" height="163" src="https://financialrights.org.au/wp-content/uploads/2019/03/Intersex-inclusive_pride_flag.svg-3.png" class="attachment-full size-full wp-image-24002" alt="" /> </div> </div> <div class="elementor-element elementor-element-56baa4f elementor-shape-circle e-grid-align-left e-grid-align-mobile-center elementor-grid-0 elementor-widget elementor-widget-social-icons" data-id="56baa4f" data-element_type="widget" data-widget_type="social-icons.default"> <div class="elementor-widget-container"> <div class="elementor-social-icons-wrapper elementor-grid"> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-32210b4" href="https://www.linkedin.com/company/financial-rights-legal-centre/" target="_blank"> <span class="elementor-screen-only">Linkedin</span> <i class="fab fa-linkedin"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-c1cf9f4" href="https://www.facebook.com/MobStrongDebtHelp" target="_blank"> <span class="elementor-screen-only">Facebook</span> <i class="fab fa-facebook"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-562265c" href="https://twitter.com/Fin_Rights_CLC" target="_blank"> <span class="elementor-screen-only">Twitter</span> <i class="fab fa-twitter"></i> </a> </span> </div> </div> </div> </div> </div> <div class="has_ae_slider elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2da7be69 ae-bg-gallery-type-default" data-id="2da7be69" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-ba882e0 elementor-widget elementor-widget-heading" data-id="ba882e0" data-element_type="widget" data-widget_type="heading.default"> <div 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