Get In Touch

  • This field is for validation purposes and should be left unchanged.

Complaint Management Process

We are committed to providing you with the service you deserve.
If we didn’t meet your expectations in any way, we would like to hear about it.

Read More

How to contact us with a complaint

If you have a complaint about our services, please contact the person who initially provided it to you.

If they are unable to resolve the issue, or if you’d prefer not to contact them, our Complaints Team can be contacted on the following details:

Phone: 02 8350 9999
Post: Ardent Risk Management Group
Unit B, Level 1, 134-140 Old Pittwater Road
Brookvale NSW 2100

Extra support, for communication barriers  such as language or disability, are  available

How we handle your complaint

Your complaint will be acknowledged within 1 business day of us receiving it.

We will keep you informed of our review progression on a regular basis, being no less then every ten (10) calendar days.

During the complaint process, we may request additional information from you to enable your complaint to be reviewed.

We will provide a formal Internal Dispute Resolution response, detailing the outcome of our review and reasons for any decisions we have made, if:

  • We haven’t been able to resolve your complaint to your satisfaction within 5 business days after it was first received
  • You have requested a response in writing, or
  • Your complaint is about financial hardship, a declined claim or the value of a claim.

Where a formal Internal Disputes Resolution response is not required, we will confirm the actions we have taken to resolve your complaint in writing to you.

We will resolve or provide the final outcome of your complaint within 30 calendar days from when we first received it.

Internal Disputes Resolution

Stage 1

Your Ardent RIsk Management Group representative will endeavour to resolve your complaint as swiftly as possible.

If they are unable to resolve your complaint, or if you are not satisfied with their response, your complaint will be progressed to stage 2 and reviewed by our Complaints Team.

You can request your complaint to be progressed to stage 2 for any reason.

Stage 2

Your complaint will be reviewed by one of our Dispute Resolution Managers. Where practical, this person will be different to the person whose decision or conduct is the subject of your complaint or who was involved in Stage 1 of the complaint process.

Our response will be in writing, and it will include reasons for any decisions we have made.

If you are not satisfied with our response to your complaint at the conclusion of our complaint process, you have can refer your case to an External Dispute Resolution service.

External Dispute Resolution

Australian Financial Complaints Authority (AFCA)

AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Here is how you can contact AFCA

Phone: 1800 931 678 (free call)
Fax: 03 9613 6399
Post: GPO Box 3, Melbourne VIC 3001

The Office of the Australian Information Commissioner (OAIC)

For privacy complaints, you can contact OAIC on

Phone: 1300 363 992
Fax: 02 9284 9666
Post: GPO Box 5218, Sydney NSW 2001
Website: (online complaint form available)

02 8350 9999