Policy Holder Claim Dispute Representation
We challenge wrongful denials by insurers with evidence-backed legal strategies tailored to your policy and circumstances to maximise your pay-out.
Multi-award winning firm & hosts of The Policyholder Podcast
The only law firm with their own podcast, pioneering legal education and industry insights
Our Solutions
With experience representing both policyholders and major Australian and international insurers, we understand how claims are evaluated and precisely how to secure successful outcomes. Speak to one of our senior partners today.
Negotiation & Settlement Advocacy
Skilled negotiators ensure insurers take your case seriously and settle fairly.
Litigation for Complex Disputes
When settlement is not possible, we fight in court with a record of high-value wins.
The Elit Lawyers Difference
Our deep understanding of the insurance industry, honed from decades of representing major Australian and international insurers, empowers us to fight vigorously for your rights under your insurance policy.
- High value insurance claim + expedited action within 48 hours
- Faster strategic resolution
- Full insurance pay-out
- Confidence and clarity in the process
The Sooner you start, the stronger your case.
Every day you wait, the insurance company gets further ahead. We get to work straight away to get across your case and secure the best possible outcome. Get your free case assessment and see your options today.
For policy holders, maximising your insurance claim can change everything
We help business owners, professionals and individuals with significant assets that have been insured but the claim has been denied by the insurance company.
We are here to help you keep your business running, rebuild damaged property and restore your financial stability. We are committed to levelling the playing field for policyholders, ensuring fair treatment and optimal outcomes.
How do I know if i can challenge my insurer?
We will assess your case with information and documents provided by you.
Will I need to go to court?
Not always, many insurance claims are resolved through skilled negotiation before litigation is needed.
How To Begin
- 1
Insurance Claim Review & Policy Analysis
We assess your insurance policy documents and outline the strongest legal path forward to maximise your insurance recovery.
- 2
Strategic Negotiation
We put pressure on your insurer to resolve your claim fairly and promptly.
- 3
Litigation if Needed
If your insurer won't settle, we take the fight to Court.
Trusted by Industry Leaders
Our track record speaks for itself. We have successfully represented businesses, individuals and complex commercial entities in their most critical insurance matters.
INSURANCE DISPUTE
We were forced to issue legal proceedings against the insurer for a number of reasons including disagreement about the amount of money that was required to be paid out under the policy to reinstate our home. I want to express our deepest heartfelt gratitude and appreciation for all Elit did for our family throughout this matter.
INSURANCE DISPUTE
I was required to institute Supreme Court of Victoria proceedings in the Insurance List against the three major co-insurers involved and was extremely happy to resolve the case prior to trial which involved a substantial payout under the policy. This was a stressful period for me, but I always felt confident and supported throughout the process.
INSURANCE DISPUTE
The Elit team helped us challenge our insurance company, who initially offered a minimal payout for defective works at our investment property. With their guidance and expert evidence, we secured a much higher settlement that made all the difference.
Litigation Team of the Year 2025 - Finalist
Insurance Team of the Year 2025 - Finalist
Litigator of the Year 2025 - Finalist
Law Firm Leader of the Year <100 employees - Winner
Boutique Firm of the Year - Winner
Managing Partner of the Year - Winner
Notable Cases
A comprehensive overview of our most significant legal achievements
Supreme Court win for business interruption losses
$20MRepresenting several of Melbourne’s iconic heritage theatres in Supreme Court of Victoria proceedings against a major insurer seeking COVID-19 related business interruption losses in excess of $20million.
- Supreme Court
- COVID-19
- Business Interruption
Supreme Court challenge of aircraft declinature by insurers
AircraftActed for policy holder (high value aircraft owner) in Supreme Court of Victoria proceedings issued in the Insurance List against three major co-insurers regarding total declinature of claim following total loss of aircraft. The proceeding resolved at mediation and involved a substantial payout by insurers which was a significant shift from insurers original positions.
- Supreme Court
- Co-insurers
- Victoria
Supreme Court insurance case against large insurer
Fire InsuranceActed in Supreme Court Proceedings for homeowners against large insurer concerning deluxe home and contents insurance coverage after fire event occurred causing over $4m in damage. This dispute centred around quantum and the fair and accurate amount to be paid out under the policy and also involved allegations against insurer of breaches of utmost duty of good faith and negligence. The case was listed for 11 day trial and ultimately settled 5 weeks prior to trial at a further mediation held by the parties.
- Supreme Court
- Deluxe Home
- >4m Damage
Declinature of indemnity
IndemnityActing on behalf of a major transport company that was denied indemnity by their insurer including challenging the declinature of indemnity and acting on behalf of the uninsured company in two County Court of Victoria proceedings.
- County Court
- Indemnity
- Transport Company
Frequently Asked Questions
How quickly can I speak to a lawyer?
Once you contact our office, we will attempt to connect you to one of our partners immediately. If they are not available, we will make a time for them to contact you as soon as possible.
Who do you assist?
All individuals and businesses who have taken out insurance covering a range of areas such as: Home and Contents Insurance, Business Interruption Insurance, Property and Product Insurance, Public Liability, Directors & Officers Insurance, Professional Liability Insurance, Cyber Insurance, Builders Warranty Insurance and Life Insurance.
Can you take over my case from another lawyers?
Yes - Our Partners are often sought out for strategic advice on legal cases where progress has come to a stand-still. A legal case review can bring a fresh pair of eyes to your dispute or legal case.
Does Elit Lawyers handle insurance policy-holder dispute cases across Australia?
Yes. Elit Lawyers manages complex, high-stakes insurance policy-holder disputes Australia-wide and in all court jurisdictions, including the Supreme Court of Victoria, the Federal Court of Australia, and the High Court of Australia.
About Elit Lawyers
Elit Lawyers is dedicated to assisting policy holders with denied insurance claims and/or disputes about the amount of money to be paid out from policy.
We combine decades of expertise with a relentless approach to leveling the playing field against Australia's largest insurers.
Our mission is to ensure that individuals and businesses receive the maximum they are entitled to under their policy, without delay or compromise. We believe in transparency, efficiency, and absolute client advocacy.
From business interruption to total loss property claims, we deliver results that restore security and confidence in the face of insurer resistance.
- Client-First Advocacy
- Relentless Pursuit of Justice
- Integrity in Every Action
The only law firm with their own podcast, pioneering legal education and industry insights
Your Claim Deserves To Be Won - Let's Start Today
Every day counts. Let us take the fight to your insurer while you focus on what matters most.
FASTER RESOLUTIONS
through process strategies
MAXIMUM PAYOUT
entitlement secured
STRESS-FREE PROCESS
with full transparency
If you enquire today, you will also receive:
- Strategic case review within 48 hours
- Direct access to a senior lawyer from day one
- Complimentary claim strategy guide
Multi-award winning firm
2 short steps
Start Your Case Review
Get your personalised claim strategy within 48 hours.
- 1Tell us about your dispute
- 2Share your contact details
Prefer to talk? Call 03 9100 1850
- Priority case review within 48 hours
- Australia wide representation
- Direct access to our lawyers