A lawyer can assist you before you enter into a binding insurance contract by:

• explaining your obligations under the contract;
• explaining what is covered under the contract;
• establishing whether the contract is suitable for you; and
• reviewing a signed contract within the ‘cooling off’ period. This is the period after signing the contract during which you may cancel it.

A lawyer can assist you in a dispute with an insurance provider by:

• assisting you in applying for an internal review by the insurer;
• negotiating with the insurer on your behalf;
• assisting you in making a complaint to the Financial Ombudsman Service (FOS);
• advising you of your options for taking the matter to court;
• representing you in any court hearing; and

assisting in enforcing a decision made against the insurer by the FOS or a court.