In Australia, $2.8bn claims are denied annually 55% due to "wear-and-tear / maintenance" exclusions and 47% of those get overturned when challenged.
It isn't a case of IF you'll have to fight but WHEN
Level Up Your Coverage
FrankIQ Membership
Your annual subscription includes everything you need to understand your policy, prove your claims, and fight denials.
$19.99/month
or $240/year per policy or asset
What's Included:
Four-Part Policy Analysis Report
4-section breakdown that decodes your complex policy into plain English
FrankChat AI Assistant
Ask anything about your policy, duties, exclusions (up to 5 sessions per month token restricted )
Maintenance Tracker
The #1 reason for claim denials is "lack of maintenance"This alone can save your claim.
Inventory Manager
Document ownership, value, and condition
AI-Assisted Claims Submission
Use your documented evidence to build stronger claims
1 FREE Hour of Expert Consultation per profile
If your claim is denied, delayed, or disputed($240 value)
25% Discount on Additional Expert Hours
$180/hour instead of normal rate of $240/hour
Multiple Policies or Assets?
First policy/asset: $240/year ($19.99/month)
Each additional policy or asset: $48/year ($3.99/month)
Example: Home Owner with Content Policy and Auto policy with two cars = $19.99 + $3.99 + $3.99 + $3.99 = $31.96/month
Example: Home Owner with Content Policy only = $19.99 + $3.99 = $23.98/month
Maximum 4 policies/assets per profile. Unlimited profiles per subscription.
?
7-day cooling off period. Cancel anytime with 45 days notice $5 admin fee. *Downloaded analysis reports subject to $59.99 fee if cancelled. T's & C's apply.
Optional Expert Services
Need an expert consultant to validate AI analysis or provide further assistance?
Human Expert Validation — Single Report Section
$59.99
Have any one section of your AI analysis reviewed and validated by one of our expert consultants. Converts educational content into expert advice you can absolutely rely on for claims or disputes.
Human Expert Validation — Complete 4-Section Report
$239.96
Full review and validation by one of our expert consultants of your entire policy analysis. Best for high-stakes situations, complex policies, or when you need defensible documentation for disputes. For validation of AI Q&A responses our standard hourly rate of $240/hour apply. Billed in 30-minute increments ($120 minimum).
Expert Consultation (Beyond Free Hour)
$180/hour(25% member discount)
Additional expert consultation and factual analysis support for ongoing disputes, complex claims advocacy and preparation of dispute submissions should the free hour not be enough.
Important Legal Distinction: AI-generated analysis and Q&A responses are educational and informational tools designed to help you understand your policy. However, they do make mistakes and can sometimes go off piste. For any decisions, always first have the contents validated by our expert consultants or refer to your broker or lawyer. Neither the analysis nor the content validated by our expert consultants are regulated financial (insurance) or legal advice. Purpose of FrankIQ is NOT to replace your broker or lawyer but rather help you understand and manage your insurance policy and assist in the claims process or when your insurer disputes a claim.
FAQ's
Your insurer isn't on your side when it comes to paying claims. In the US, 97% of external dispute awards exceed the insurer's initial offer by an average of $22,000. That's more than the average claim amount itself. You need someone in your corner who understands what you're actually covered for and fights when they deny you.
Only when you have an active claim that's been denied, delayed, or disputed by your insurer. You'll need to provide documentation (denial letter or correspondence showing dispute). This ensures the free hour is used for genuine disputes where you need it most.
Our AI is trained specifically on insurance policy language and provides educational analysis to help you understand your coverage. For peace of mind or high-stakes situations, you can purchase human validation from our expert consultants. But most members find the AI analysis sufficient for everyday understanding and claim preparation.
You have a 7-day cooling off period. After that, you can cancel anytime with 45 days notice. However, in addition to a $5 admin fee, any analysis reports you've downloaded are subject to a $59.99 fee per report, since we can't "take back" the analysis once you have it.
55% of claim denials are due to maintenance and wear-and-tear exclusions. The maintenance tracker creates timestamped, documented proof that you've been maintaining your property or assets. When an insurer tries to deny your claim saying "you didn't maintain it" you have evidence that you did.
