Review a standard-form consumer insurance contract for unfair terms
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- Read the policy wording and product disclosure statement and build a table of terms that let the insurer vary, cancel, refuse or limit cover in ways the insured cannot, terms that rely on outdated definitions, and terms that are hard to find or read, with the clause reference and the text quoted on each row, and note whether the contract was entered into or renewed on or after 5 April 2021.
- What the lawyer must review
- Decide whether the contract is a standard form contract within the regime and not an excluded type, whether each flagged term is unfair once any statutory carve-out, legitimate interest and transparency are weighed, and what redrafting or advice follows.
- Written for / version
- US
Open a jurisdiction version of this task to see which instruments apply: US
Who does what
| Role | What they do |
|---|---|
| Assistance | Read the policy wording and product disclosure statement and build a table of terms that let the insurer vary, cancel, refuse or limit cover in ways the insured cannot, terms that rely on outdated definitions, and terms that are hard to find or read, with the clause reference and the text quoted on each row, and note whether the contract was entered into or renewed on or after 5 April 2021. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Confirm the instructions, the jurisdiction and the complete relevant material before starting.
- Confirm the contract type is within the regime and record the date it was entered into or last renewed.
- Check every quoted term against the current wording and PDS, not an earlier version.
- Confirm any term the lawyer treats as unfair has a stated reason and a proposed redraft or advice.
- Check the output against the source documents named in it before it is relied on.
Sources
- ASIC: Unfair contract term protections for consumers · 2026-10-18
These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.