Coverage, claims, and subrogation — read at policy-clause level.
Quillio knows the Insurance Contracts Act, the Corporations Act Chapter 7 insurance framework, and current coverage authority — built for Australian insurance practice.
Quillio is an AI legal assistant for Australian insurance lawyers. I am trained on the Insurance Contracts Act 1984 (Cth), the Insurance Act 1973 (Cth), Corporations Act Chapter 7, and current coverage and claims authority from state and federal courts. Use me for policy interpretation, coverage opinions, subrogation, and claims handling dispute work.
Why insurance lawyers use Quillio
Insurance work is policy-clause work — every coverage dispute turns on the wording. I read policies end to end, map claim facts to coverage and exclusions, and cite current authority on duty of utmost good faith, misrepresentation, and claims handling. Built for AU insurance practice, not a generic contracts tool.
Statutes and authorities
Key statutes
- Insurance Contracts Act 1984 (Cth)
- Insurance Act 1973 (Cth)
- Life Insurance Act 1995 (Cth)
- Corporations Act 2001 (Cth) Chapter 7
- Marine Insurance Act 1909 (Cth)
- Financial Sector (Collection of Data) Act 2001 (Cth)
- ASIC Act 2001 (Cth)
Leading cases
- CGU Insurance Ltd v AMP Financial Planning Pty Ltd (2007) 235 CLR 1 (duty of utmost good faith)
- Zurich Australian Insurance Ltd v Metals & Minerals Insurance Pte Ltd (2009) 240 CLR 391 (policy construction)
- CIC Insurance Ltd v Bankstown Football Club Ltd (1997) 187 CLR 384 (policy interpretation)
- Switzerland Insurance Workers Compensation (NSW) Ltd v Mountain Industries Pty Ltd (1988) 5 ANZ Ins Cas 60-870 (subrogation)
Insurance Law workflows
Policy interpretation and coverage opinions
Reading policy wordings, applying the facts to coverage and exclusions, and advising insurers or insureds on coverage.
Reads the policy end to end, maps the claim facts to coverage and exclusions, and drafts the coverage opinion citing current authority.
Claims handling and denials
Claims handling reviews, s 54 Insurance Contracts Act analysis, and decline letters.
Analyses the claim against the policy and s 54 ICA considerations. Drafts the decline letter or further information request.
Subrogation recoveries
Running subrogation recoveries in the name of the insured against third parties.
Assesses subrogation prospects, drafts the letter of demand and pleading, and tracks the recovery file.
Misrepresentation and non-disclosure
Advising on s 21 Insurance Contracts Act duty of disclosure and s 26 misrepresentation remedies.
Applies the current ICA framework to the disclosure facts and drafts the avoidance or reduction analysis.
AFCA complaints and insurance disputes
AFCA complaints on claims decisions, including response drafting and internal dispute resolution.
Drafts the AFCA response with structured coverage analysis, current authority, and claim handling chronology.
Document types Quillio handles
- Coverage opinions
- Decline letters
- Reservation of rights letters
- Subrogation pleadings
- AFCA response submissions
- Policy wording reviews
- Claim handling files
- Settlement deeds
- Letters of demand
Insurance regulation is Commonwealth under the Insurance Contracts Act, Insurance Act, and Life Insurance Act, with APRA prudential supervision and ASIC conduct supervision. Coverage disputes proceed in state and federal courts. AFCA handles consumer and small business complaints.
Questions insurance lawyers actually ask Quillio
Insurance Law FAQs
Does Quillio read policy wordings at clause level?
Yes. I read policies end to end, map coverage and exclusions to the claim facts, and draft the coverage opinion. I cite the specific clause, not a summary.
Is Quillio current on the Insurance Contracts Act?
Yes. I am current on the Insurance Contracts Act including the current s 54, s 21, s 28, and s 29 framework and current Federal Court and state supreme court authority applying them.
Can Quillio handle AFCA work?
Yes. I draft AFCA responses with structured coverage analysis, claim handling chronology, and current authority. I also draft internal dispute resolution correspondence.
Does Quillio cover life insurance?
Yes. Life insurance, TPD, income protection, and trauma claims under the Life Insurance Act and the Insurance Contracts Act. I cover AFCA life complaints as well.
Can Quillio run subrogation matters?
Yes. I assess subrogation prospects, draft letters of demand and pleadings, and track the recovery file. For PI subrogation specifically, see also /practice-areas/personal-injury-lawyers.
Is Quillio safe for confidential claims material?
Yes. SOC 2 Type II and ISO 27001. Australian-hosted. Claims files — including sensitive medical and financial material — stay on Australian soil.
Try Quillio on a current matter.
For insurance lawyers, the fastest way to know if Quillio fits is to run it across a current coverage question or AFCA complaint. Start the free trial at /free-trial — no credit card, no sales call.
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