The DemandARefund Form will ask you questions about these kinds of things:

• Basic information like your name and address;
• Your employment and family circumstances;
• What kind of insurance or warranty you bought, and what you paid for it; and
• What happened when you were buying the insurance or warranty—for example, what the salesperson said (or didn’t say) about the product, or whether they did anything unfair.

The form asks these questions because they help explain to the insurer or warranty provider why you think you were treated unfairly and why you deserve your money back.

You’ll be asked the name of the insurer or warranty provider.  This might be different from the name of the insurance/warranty itself.  Here some of the common products and the insurers:

Remember to check your documents because yours might be different from the above.

It’s important to answer the questions honestly, and provide as much detail as you can.

Once the website has collected the information, it’ll turn it into a letter to the insurer or the warranty provider.

Look at the letter, and make sure everything is correct. You’ll be able to make any changes you like.

Once you’re happy with the letter, select the name of the insurer or warranty provider from the list provided.

Then click ‘Email and finish’.  Remember, you can also print out a copy.

The letter will be sent to you as a PDF with the email address (if available).  Simply attach the letter to an email and send to the email address.  Remember, you are welcome to use ‘snail mail’ if you prefer.

The form will ask you a few more questions.

Once the website has collected the information, it’ll turn it into a letter to the finance provider or car dealer.

Look at the letter, and make sure everything is correct. You’ll be able to make any changes you like.

You can either print out the letter and send it by post or attach them to an email.

Don’t forget that you can’t double dip.  If you have requested refunds from two or more businesses and receive a refund from one business, you have to let the other one(s) know as soon as possible.

The first part of the form will help you submit a refund request directly to the insurer or warranty provider through their email address.  We have a database of a lot of the insurers and warranty providers selling CCI, gap and extended warranties.

If we don’t have the email address of the insurer or warranty provider you are complaining to, you will need to insert the email address yourself.

If you’re writing letters to other businesses, for example the finance provider or car dealer, you can either send them by post or email.

Here are some tips to help you find contact details:

• Check your documents
• Check their website
• Ring them and ask them
• Check the Australian Financial Complaints Authority website here

1. Check the documents you have at home
2. If you can’t find them, ask!

If you know the name of the insurer or warranty provider, you can ask them directly for all documents relating to your policy or warranty.

Alternatively, you can ask the bank or finance company. Click here to have a look at information on the Consumer Action website about how to get your loan documents.  There’s a template letter to help you as well.

If you don’t hear from them, don’t forget to remind them about your request! You might want to set yourself a reminder in your calendar or phone so you don’t forget.