When Transparency Meets Fairness in Insurance

When ASIC challenged a home insurance clause that told customers to “tell us if anything changes,” the Federal Court sided with the insurer. In ASIC v Auto & General (2024), Justice Jackman found the clause was not unfair, reaffirming that transparency means clarity of meaning, not perfection of expression. Clean Law’s Escrow Oversight model shows how legal design—not litigation—prevents such regulatory tension between fairness and structure.