Get Your Refund

Please be aware, if you have not taken any finance or loans in the last 10 years, you may not be entitled to a refund.

What we need to do to get your refund:

  1. Provide us with details about your finance agreements
  2. We analyse these details and call you to finalise your claim
  3. We submit your refund claim(s)
  4. You get paid!

Let's Get Started On Your Refund!

Taken finance or loans in the last 10 years? Fill out this simple form.

Learn about some common insurance types

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Consumer Credit Insurance (CCI or LPI)

May be also known as Loan Protection, Mortgage Protection or Personal Loan/Credit Card Protection Insurance. This is insurance covers you if something happens to you that affects your ability to meet the payments of your loan or credit. Covering situations like death, unemployment and sickness. CCI in essence is not bad product, although many policies have been mis-sold to consumers by incorrectly applying a policy to a loan without your knowledge or without asking the correct upfront questions first, making these polices worthless.
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GAP Insurance

May also be known as Motor Equity Insurance. This insurance policy helps cover the gap between the amount you owe on your car loan and the payout amount from your motor insurance company, in the event the car is written off in an accident or stolen. Many Gap Policies were not only sold without consumers knowledge but also over sold too! Insuring above and beyond what you actually need to cover the cost of the gap, but still charging you for the higher premium. This amount as with any extra add on, will attract interest to your loan, possibly adding $1000s!
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Irresponsible Lending

If you have a loan that you have missed payments or you're struggling to repay there might be a chance your lender failed to completely assess whether the loan was suitable for you at the time of application.
Irresponsible lending is, if the Financial institute lends money to a borrower and the borrower is clearly unable to meet their financial obligations due to an inaccurate affordability check.
Lenders must adhere to responsible lending guidelines by checking if the applicant can repay the debt on time without falling behind or defaulting on their existing commitments.
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Extended (Mechanical) Warranties

These ‘Warranties’ are usually sold alongside your used car purchase. Although they are not to be mistaken for a New Car Warranty which the manufacture supply. They often come with a range of exclusions and conditions most people would be unaware of, these range from no cover for pre-existing issues to extensive service requirements or only cover a certain few parts! Not to mention Discretionary warnings which could void your cover, Totally worthless. If this was added on to the loan without your consent or you were pressured to buy this, you could have been mis-sold.
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Tyre and Rim Insurance (TRI)

Meets the cost of repairing or replacing a vehicle’s tyres and rims if they are punctured or suffer a blowout.

Any other questions?

Click below to visit the FAQ page and find out the answers to common questions.FAQ

By submitting the above form you understand that this service does not provide legal or financial advice or take any of your personal circumstances in to consideration when providing our Service. Consider whether the service is right for you. If you are unsure, seek independent legal advice.

Get My Refund is an authorised representative of Sphere Insurance Group ABN 95605842117 AFSL 478959 Agent number 1279752
2/23 Foster Street Surry Hills NSW 2010 Australia
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