Instructions to Users:
Step 1: Read our Legal Information Factsheet
- This sample letter is for people who owe a debt to an insurance company that they cannot pay as a result of a motor vehicle accident for which they were not insured.
- If that is your situation you should also read our “I’ve Had an Accident and I am Uninsured” factsheet.
You should only use this letter if the following are true:
- You were at fault for the accident and you admit you owe money to the insurer.
- You cannot afford to pay anything to the insurer (if you can afford something, use the “Offer to Pay Insurance Debt” letter instead).
- You can prove that you are in financial hardship, and you have evidence to attach to this letter (if you have no evidence of your financial hardship, you should see a free financial counsellor – call 1800 007 007)
Please note that if you have real estate or other valuable assets you are unlikely to be released from a debt.
This letter should be used for information only and should not be relied upon as legal advice.
Step 2: Find the correct address to send this letter to your insurer
You will need to send this request to the insurer’s internal dispute resolution contact.
- Click here to get these details from the Financial Ombudsman Australia (FOS) website [Use Find a Financial Services Provider].
- If you cannot find the insurer using the financial service provider search function on the home pages of FOS, call 1800 367 287 and ask for the insurer’s IDR contact details.
Step 3: Complete the questions below
- Answer the questions below to customise your letter.
- Once you have completed the questions click the Preview Letter button below. The letter generator will prompt you if there is missing information.
- If you realise you need to change your answers, use the Click here to change your selections feature, above or below the previewed letter. Do NOT use the back arrows on the address bar or you will need to start all over again.
Step 4: Copy & Paste the letter into your Email or Word program, and send it!
- You will need to copy & paste the generated letter into your email or into a Word document in order to send the letter to the other party.
- Once you have pasted the generated letter into your own email or Word program you can make additional changes to the main text of the letter, however we do not advise deleting any of the legal content that has been automatically generated.