Step 13 of 20 · Stage 5, Extended domains
65% through the syllabus
Insurance & Super
Home, car, life and income insurance claims, excess and superannuation.
12 lessons · 12 dialogues · 2h 48m
After this step you can
- Interpret home, car, life and income-protection claims
- Carry excess, premium, sum-insured and exclusion terms accurately
- Follow a claim through assessment to outcome
Watch out for
'Excess' and 'exclusion' sound similar to a stressed candidate and mean opposite things to a claimant.
Before you start: finish Step 12 · Consumer Affairs. Nothing is locked, but the path is ordered for a reason.
What's inside, in order
12 lessons, easiest first.
Insurance & Super
Home, car, life and income insurance claims, excess and superannuation.
- Unlock →Storm Home Insurance Claim: Roof Damage, Excess and Temporary AccommodationPractice dialogue · 14 min
A Tamil-speaking homeowner lodges a home and contents claim after a storm blew tiles off the roof and let water into the house, and works through the excess, an assessor visit, the storm-versus-maintenance question and temporary accommodation cover.
- Unlock →Income Protection and TPD Claim Through Super After a Back InjuryPractice dialogue · 14 min
A superannuation insurance case manager walks a Tamil-speaking truck driver through an income-protection and total and permanent disability claim after a serious back injury has stopped him working.
- Unlock →CTP Green Slip Claim: A Minor Injury DisputePractice dialogue · 14 min
At an insurer interview, a NSW CTP claims officer explains why Mrs Rajendran's whiplash from a rear-end crash on the M4 is classed as a 'minor injury', capping her weekly payments and treatment at 26 weeks, and how she can dispute it.
- Unlock →Toyota RAV4 Write-Off Payout And Loan ShortfallPractice dialogue · 14 min
A motor claims assessor tells a Tamil-speaking policyholder that his 2019 Toyota RAV4 is a repairable write-off after a not-at-fault T-bone collision, working through the payout, the loan shortfall he declined to cover, salvage retention, and premium and rego/CTP refunds.
- Unlock →Home Break-In Contents ClaimPractice dialogue · 14 min
A contents claims consultant processes Mrs Rajendran's break-in claim after $18,000 of jewellery, a laptop and cash were stolen while her family was overseas, explaining sub-limits, proof of ownership, the police event number, and the 60-day unoccupancy condition.
- Unlock →Choosing Hospital Cover Before A Knee ReplacementPractice dialogue · 14 min
A health fund member services officer helps Mr Sivakumar select Gold hospital cover before a planned knee replacement, explaining waiting periods, out-of-pocket gaps, Lifetime Health Cover loading and the Medicare Levy Surcharge.
- Unlock →Life Insurance Claim Under Non-Disclosure InvestigationPractice dialogue · 14 min
A life insurance claims manager meets Mrs Krishnan, whose husband died ten months after taking out a $500,000 death cover policy, to explain that the claim is under assessment because of a possible non-disclosure of a prior heart condition.
- Unlock →A Declined Travel Insurance ClaimPractice dialogue · 14 min
A travel insurance case manager tells Mr Chandran why his $14,000 claim for emergency hospital treatment and a changed return flight in India is being declined, because his undeclared diabetes and high blood pressure triggered the pre-existing condition exclusion.
- Unlock →Landlord Insurance Claim For Rent Arrears And DamagePractice dialogue · 14 min
A landlord insurance claims officer assesses Mr Kumar's claim after his tenants left owing six weeks' rent and caused $9,300 of malicious damage, explaining the bond, loss-of-rent limit, excess and evidence required.
- Unlock →Reviewing Business Cover After a Shop FirePractice dialogue · 14 min
A business insurance broker reviews a Tamil shop owner's cover after an electrical fire, explaining a public liability claim against her $20 million limit, business interruption reimbursement, and an underinsurance co-insurance penalty on her stock.
- Unlock →AFCA Conciliation Over A Denied Home Water-Damage ClaimPractice dialogue · 14 min
An AFCA case officer conciliates Mr Selvam's denied $46,000 bathroom water-damage claim, weighing competing forensic engineer and plumber reports against a $28,000 settlement offer.
- Unlock →Death Benefit Without a Binding NominationPractice dialogue · 14 min
A superannuation benefits consultant explains to Mr Kumar why his late brother's $210,000 balance may not pass to him and how he can trace and consolidate his own three lost super accounts.
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