Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Aami
AAMI Customer Relations, PO Box 14180
8001 Melbourne City Mail Centre
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Aami service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
11/01/2026
How to Cancel Aami: Complete Guide
What is Aami
Aami is a general insurer offering motor, home, landlord, travel and other personal insurance products. Its motor product set includes comprehensive cover, third party property damage and third party fire & theft options, plus optional extras such as agreed value, hire car cover after theft and windscreen cover. The company publishes product disclosure statements and policy pages that explain cover limits, excesses and the 21‑day cooling-off right for many retail policies.
Customer experiences with cancellation
What users report
Public feedback on review platforms highlights both routine successful cancellations and recurrent problems. Several reviewers describe timely refunds within the cooling-off period or straightforward pro rata refunds; others report long waits for refunds, refunds credited to closed cards, or continued charges after cancellation.
Recurring issues and practical takeaways
Common complaints include slow response times from customer channels, mismatches between refund destination and current payment method, and occasional billing after stated cancellation. Practical tips from users emphasise confirming refund allocation and keeping documentary proof of the cancellation date and reference.
How cancellations typically work for Aami
Legal entitlements and Aami policy wording produce a predictable framework: many Aami retail policies include a 21‑day cooling-off period during which a full premium refund is available if no claim has been made. Outside that period, Aami’s standard position is a pro rata refund of unused premium less non-refundable government charges and a minimum refund threshold.
There is generally no separate cancellation fee stated in public Aami policy pages; the financial adjustment is the unused premium less statutory charges and any minimum refund rule. Some market guides corroborate that Aami does not apply an explicit administration cancellation fee compared with some competitors.
Timing, billing cycles and proration
Annual policies and monthly instalments behave differently for accounting. If you paid an annual premium up front, the available refund will normally be calculated on a daily pro rata basis for the remaining insured period, less government levies. If you pay by instalments, cancellation generally stops future instalments but any outstanding amount for elapsed cover must be reconciled. Aami’s published pages state these mechanics and the minimum refundable amount rule.
Cooling-off periods and claim consequences
The Aami cooling-off right: you typically have 21 days from the policy start or renewal date to change your mind and receive a full refund if you have not made a claim. Exercising the cooling-off right nullifies cover from inception, so it is only available where no relevant claim exists.
Refunds: calculation, destination and delays
Aami’s approach is to refund the unused premium less non-refundable government charges; the PDS and product pages record this method and state a minimum refund threshold below which no refund is processed. Payment timing can vary by payment method and processing routines.
User reports indicate particular friction points: refunds sent to a previously used card that no longer exists, refunds issued by cheque with long delivery timelines, or long processing delays. These practical issues are frequent topics in public reviews and forum threads.
Disputes, chargebacks and escalation
If a billed amount appears after you believe you have cancelled, the immediate contractual step is to request written confirmation of the cancellation and the refund calculation. Maintain records of the cancellation date and any reference; this supports a dispute or a chargeback with your payment provider if warranted. Consumer advocates also recommend escalation routes such as the insurer’s internal dispute resolution and the external complaints body when matters are unresolved.
Common pitfalls and mistakes to avoid
- 1. Assuming instant refund: processing can take days to weeks.
- 2. Not checking refund destination: older cards or closed accounts have caused returned payments.
- 3. Cancelling after making a claim: cooling-off refunds are not available if a claim has been made.
- 4. Overlooking government charges that are non-refundable.
- 5. Failing to record the cancellation date and confirmation details.
Documentation checklist
- Policy number: keep the full policy or certificate reference.
- Proof of identity: copies of ID used to verify the policyholder.
- Payment records: proof of premium payments and the payment method used.
- Cancellation confirmation: any written acknowledgement or reference number.
- Claim history: dates and brief status if you made any claim during the policy period.
Practical examples and plan comparison
| Plan type | Core cover | Typical premium indication |
|---|---|---|
| Comprehensive | Accidental damage to your vehicle; liability for other people’s property; optional extras (agreed value, hire car) | Varies by vehicle, driver and cover - approx A$700‑A$2,200+ per year for many profiles (market examples). |
| Third party property | Legal liability for damage to other people’s vehicles/property; optional fire & theft | Varies - approx A$280‑A$400 per year as a market example for third party options. |
| Third party fire & theft | Third party cover plus cover for theft and fire to your vehicle | Varies by add-ons and region - pricing depends on vehicle age and agreed value. |
Comparison of key features
| Feature | Comprehensive | Third party |
|---|---|---|
| Cover for own-vehicle damage | Yes | No |
| Liability to others | Yes (up to policy limit) | Yes (typically up to $20 million with Aami) |
| Optional extras | Agreed value, windscreen, hire car options | Fire & theft optional |
Legal and regulatory context that matters for Aami
The consumer right to a cooling-off period and pro rata refund is reflected in Aami’s PDS language for many personal retail products. Complaints relating to billing practices or refund timing can be reviewed under the insurer’s internal dispute mechanism and, if unresolved, by the independent external dispute resolution body that handles insurance disputes. Keep any statutory deadlines in mind when escalating.
Address
- Address: AAMI Customer Relations, PO Box 14180, Melbourne City Mail Centre VIC 8001
What to expect after cancelling Aami
After you cancel, expect a confirmation reference and a refund calculation showing the unused premium and any government charges deducted. Processing timelines vary with the payment method and internal administration cycles.
Monitor your bank or card statement for credits and retain all correspondence. If a refund is delayed or the insurer continues to bill, use the insurer’s dispute channels and keep a clear chronological file to support any complaint or chargeback.
Finally, consider replacement cover timing so you avoid an unintended gap in insurance if you move to another insurer or change the insured asset. Review excess settings and agreed value choices on the incoming policy to ensure equivalence.