What do I need to start?
Get your loan documents or credit card statements. It might help to also have your insurance or warranty documents. If you don’t have them, see below for tips for requesting these documents.
Complaining to the insurer or warranty provider:
1. Answer the questions on the Stop Selling Junk Refund Form
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:
| Name of product | Who is the insurer? |
| ANZ Credit Card Insurance | OnePathGeneral |
| ANZ Loan Protection | Sovereign or QBE |
| Bank of Melbourne Personal Credit Protect | Swann Insurance |
| Bendigo Bank LoanSureLoan Protection | CGU |
| Commonwealth Bank Loan Protection | CommInsure |
| Esanda Loan Protection Insurance | Allianz |
| GE Loan Protection Insurance | Hallmark Insurance |
| Latitude Loan Protection Insurance, Shoppers’ or Buyers’ Protection Insurance | Hallmark Insurance |
| NAB Credit Card Cover/Personal Loan Cover | MLC |
| Nissan Loan Protection | Allianz |
| St George Personal Credit Protect | Swann Insurance |
| Toyota Finance Protection Insurance | Toyota Insurance (underwritten by Adicia and AIA) |
| CitiBank CreditShield, CardGuard and CardAssure, Loan Protection Insurance and Loan Guard | MetLife Insurance Limited |
| CitiBank CardProtect | AIA Insurance |
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.
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[expand title=”2. Check the letter and make changes, if required”]
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.
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[expand title=”3. Submit!”]
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.
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You can also complain to the finance provider or car dealer:
The second part of the website will give you the option of complaining to other businesses, for example, the finance provider or car dealer that sold you the insurance or warranty. If you say ‘yes’, here’s what will happen:
[expand title=”1. Answer the questions”]
The form will ask you a few more questions.
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[expand title=”2. Check the letter and make changes if required”]
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.
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[expand title=”3. Send!”]
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.
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[expand title=”How do I find a business’s contact details?”]
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
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[expand title=”How do I get my paperwork?”]
- Check the documents you have at home
- 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.
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For help after complaining, have a look at our fact sheet ‘What next?’
This fact sheet is for information purposes only and should not be relied upon as legal advice. This was updated on August 21, 2018.
