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Other Insurance

Find out more about other insurance products like funeral insurance, pet insurance, consumer credit insurance or junk insurance.
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Maggie’s Story: Funeral Insurance

Maggie took out a funeral insurance policy over the phone. She had second thoughts and called the insurer the next day to cancel the policy. The salesman subjected her to a lengthy spiel and used emotive language, such as her placing a “burden on her loved ones”. Maggie tried again the next week but was told that she would need to put her cancellation request in writing. Maggie tried several times over the next few years to cancel the policy but each time the insurer deflected her requests and she felt overwhelmed. Financial Rights got involved and was able to help Maggie cancel her policy and get her premiums refunded.

When to get help

Read through the fact sheets below and use the sample letters selected. Give us a call if you don’t know where to start or can’t find a solution for your problem.

  • Your funeral insurance policy is getting more expensive every year but you are worried if you cancel it you will leave your loved ones footing the bill for your funeral.
  • You bought a car but the money you now owe is much higher than you agreed to, you think there are add-on insurance products included.
  • You have lost your job and want to claim on your consumer credit insurance to cover your loan payments but you have been told you are not eligible.
  • You just discovered you paid for gap or add-on insurance policies when you took out your car loan, but you didn’t want it or know about it.

Fact Sheets

These fact sheets will give you more detailed legal information about common problems that occur with other insurance products.

Sample Letters

You can use these sample letters to help you get in touch with your insurance company when there is a problem.

Contact Us

If you have an insurance question or legal problem call the Insurance Law Service on 1300 663 464

  • Monday to Friday 10am – 1pm (Sydney time)

If you need to speak to a financial counsellor because you are in financial hardship you can call the National Debt Helpline on 1800 007 007

  • Monday to Friday 9.30am – 4.30pm (Sydney time)
  • Please note, the National Debt Helpline is answered by both Financial Rights (our service) and Uniting (NSW.ACT) which is based in Dubbo and provides telephone financial counselling, but does not have solicitors available. Our services are run separately, neither service has access to any information or advice given to or by the other service.

If you are struggling to make a claim because of family violence or abuse issues please also visit our Financial Abuse webpage.

External Resources

Australian Financial Complaints Authority (AFCA)

  • Ph: 1800 931 678
  • Email: info@afca.org.au
  • Web: www.afca.org.au
  • Address: GPO Box 3, Melbourne VIC 3001

Australian Securities and Investments Commission is the regulator for financial services providers.

Insurance Council of Australia owns the General Insurance Code of Practice.

Consumer Action Law Centre’s DemandARefund

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Marie really helped calm me down and gave practical and realistic advice. I hung up feeling a lot better about where to go and what to do.