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Premium Rort: are you one of thousands of Australians rorted by their insurer?


If you are one of hundreds of thousands of Australians unfairly and wrongfully overcharged through your insurance policy, now is the time to stand up for your rights and claim back what is rightfully yours.

The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry brought to light the concerning degree to which banks and financial institutions have taken advantage of their customers to boost their bottom line.

Now, insurance and superannuation customers across the country are taking a stand to stamp out premium rorts once and for all.


Shine Lawyers are proud to stand up for the rights of deserving Australians against big business that put profits before people. The insurance class actions that we are running and investigating:

Are an opportunity for customers who have been duped to stand up and demand more from institutions that they trust to act in their interests.
Seek to return the millions of dollars of overpayments to customers who were misled.

Have you been affected?

If your insurance policy is held with one of the following institutions, you may have legal grounds to claim back the funds you were wrongfully charged.



AMP Insurance Class Action

Shine Lawyers has launched a class action on behalf of people who obtained an AMP Flexible Lifetime Policy through financial advisers appointed by AMP Financial Planning (AMPFP), Charter Financial Planning (Charter) and Hillross Financial Services (Hillross).

It’s estimated over 100,000 AMP Insurance policy holders have been impacted by this #premiumrort.

Am I eligible for the AMP Insurance Class Action?

  1. Are you an AMP Flexible Lifetime Policy holder? The AMP Flexible Lifetime Policy includes death, TPD, trauma, income protection and business protection insurance.
    Your policy may be described as:
    • Flexible Lifetime – Protection;
    • Flexible Lifetime – Super;
    • AMP Flexible Super – Flexible Protection; and
    • AMP Flexible Super – Super Protection.
If you have an AMP insurance policy that includes the word Flexible or held such a policy in the period from 1 September 2014 to the present date, please register or contact us and we can confirm if your policy is eligible.
  1. Did you obtain your policy through any of the following licensees and their authorised representatives:
    • AMP Financial Planning?
    • Charter Financial Planning?
    • Hillross Financial Services?
Please note that financial advisers providing AMP Flexible Lifetime policies may have operated under different names to the above. If you are not certain whether your adviser was a part of one of the above licensees, please either register via the form below or contact us so that a member of our team can help you to verify whether your policy is eligible.

If you answered yes to the above, you may have been unlawfully overcharged and we believe you should be fairly compensated.



Colonial First State Super Insurance Class Action

If your superannuation is held with Colonial First State Investments Limited (CFSIL), you may be one of hundreds of thousands of members who have been unfairly overcharged for your insurance, leading to the erosion of your superannuation in another #premiumrort.

Am I eligible for the Colonial First State Super Insurance Class Action?

  1. Are you a member of one of the following superannuation funds?
    • FirstChoice Personal Super and Pension
    • FirstChoice Wholesale Personal Super and Pension
    • FirstChoice Employer Super
    • Commonwealth Essential Super
  2. Have you held Life or TPD insurance issued by CommInsure through your superannuation in the period between January 2014 and January 2020?

If you answered yes to the above, you may have been wrongfully overcharged. Shine Lawyers is investigating a class action on behalf of Colonial First State Super Insurance members; we believe you should be compensated.



Westpac Life Insurance Class Action

If you held life insurance with Westpac Life on the recommendation of a Westpac financial advisor, you may be one of the 100,000 people who were charged higher premiums than those who obtained identical insurance. It is estimated that there are over 100 million dollars’ worth of refunds owed. #premiumrort

Am I eligible for the Westpac Life Insurance Class Action?

  1. Are you a Westpac Life policy holder?
  2. Did you obtain your policy any time after February 2011?
  3. Did you obtain your policy on the recommendation of a financial adviser from:
    • Westpac
    • St George Bank
    • Bank of Melbourne
    • BankSA
    • BT Advice

If you answered yes to the above, you may have been unfairly overcharged. Shine Lawyers is running a class action on behalf of Westpac Life Policy holders; we believe you should be reasonably compensated.



CBA CommInsure Class Action

Shine Lawyers has launched a class action on behalf of thousands of people who obtained CommInsure life or income protection insurance policies through financial advisers appointed by Commonwealth Financial Planning Limited and Financial Wisdom Limited.

It’s estimated that tens of thousands of CBA insurance policy holders have been impacted by this #premiumrort

Am I eligible for the CBA CommInsure Class Action?

  1. Are you or have you been a CommInsure life or income protection policy holder? CommInsure Protection policies include death, TPD, trauma, income protection and business protection insurance. Your policy may be described as:
    • CommInsure Protect
    • Total Care
    • Life Risk Insurance
    • Life Care
    • Investment Life Insurance
    Your CommInsure insurance policy may be described differently to the above. If you have a current CommInsure life or income protection policy, or previously held such a policy after 1 September 2014, please register or contact us and we can confirm if your policy is eligible.
  2. Did you obtain your policy through any of the following licensees and their authorised representatives:
    • Commonwealth Financial Planning Limited;
    • Financial Wisdom Limited;

Financial advisers providing CommInsure policies may have operated under different business names to the above, so if you are not certain if your adviser was a part of one of the above licensees, please register your details or contact us and we can confirm if you are eligible for this class action.

If you answered yes to the above, you may have been unlawfully overcharged and we believe you should be fairly compensated.



BT Super Insurance Class Action

Shine Lawyers is investigating a class action against BT Funds Management (BT) on behalf of BT superannuation fund members who were wrongfully overcharged for their insurance. It is alleged that since 2014, BT did not act in the best interests of its members when obtaining group insurance policies.

It is understood that hundreds of thousands of BT superannuation members have had their superannuation eroded as a results of BT’s #premiumrort. #premiumrort

Am I eligible for the BT Super Insurance Class Action?

  1. Have you been a member of at least one of the following superannuation funds between 2014 and 2020?
    • BT Super For Life
    • BT Super For Life Westpac Group Plan
    • BT Superannuation Investment Fund
    • BT SuperWrap
    • BT SuperWrap Essentials
    • BT Panorama Super

    Alternatively, have you been a member of at least one of the following superannuation funds between 1 January 2018 and 2020?

    • BT Retirement Selection - Personal Super Plan
    • BT Lifetime Super - Employer Plan
  2. Have you held Death Insurance, Death & TPD Insurance and / or Income Protection Insurance (also known as Salary Continuance) products through one of the above superannuation funds in the time frames specified?

If you answered yes to the above, you may have been unfairly overcharged, and we believe you should be fairly compensated.

Unsure if you qualify for one of the above insurance class actions?

Please reach out to speak to a member of our legal team.

It costs you nothing to join our insurance class actions as they are run on a no win no fee basis.

Find out more about the benefits of a class action here.

Written by Shine Lawyers. Last modified: July 28, 2020.

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