Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Domestic And General
GPO Box 3004
3001 Melbourne
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Domestic And General 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,
14/01/2026
How to Cancel Domestic And General: Easy Method
What is Domestic And General
Domestic And General is an international appliance protection and repair insurer that issues product protection policies and monthly subscription insurance programs via retail partners. The organisation offers point-of-sale extended cover (paid upfront) and monthly pay insurance with no annual upfront fee and no fixed-term lock-in, and it supports a wide repair network for common household appliances and consumer electronics.
The provider operates both non-renewable point-of-sale policies that extend manufacturer cover and monthly subscription products that merchants and marketplaces can offer to end customers. The product disclosure statements (PDS) and direct debit terms set out key contractual mechanics: periods of cover, premium calculation, notice requirements for material changes, and how cover ends.
Subscription formulas and where they appear
Domestic And General publishes multiple distribution models: (a) non-renewable point-of-sale PDS products (e.g. Protect Plus) that are paid at purchase and provide defined multi-year cover; and (b) monthly pay insurance programs sold through retail partners or marketplaces with monthly instalments and no fixed-term contract. The monthly model emphasises flexibility and "cancel at any time" arrangements for subscribers.
| Plan or example | Payment model | Price (AU) | Key note |
|---|---|---|---|
| Winning Care (example partner: Appliances Online) | Monthly subscription | A$3.99 starting (reported) | Monthly pay, no lock-in; partner-branded offering. |
| D&G Protect Plus (point-of-sale PDS) | One-off premium at sale | Varies | Non-renewable multi-year policy (3 or 5 years depending on product). |
| Retailer concierge/extended warranty (examples reported) | Upfront fee or store-bundled | Varies | Prices vary by retailer; customer reports show a wide spread of paid amounts and outcomes. |
How cancellations and policy end points typically work for Domestic And General
Framework: cancellation and policy cessation are governed by the policy type in the Policy Document or PDS and by the Direct Debit/Payment terms where instalments apply. For point-of-sale PDS products (for example D&G Protect Plus) the policy is non-renewable and ends on expiry or on cancellation in accordance with the PDS. For monthly pay programs, the provider and its partners state that customers may stop coverage without a fixed term, but the precise financial effect depends on contract wording and payment route.
Notice periods and changes to terms
The PDS and Direct Debit Request Service Agreement state that Domestic And General will notify insured parties of material changes at least 14 days before applying them. The Direct Debit terms likewise provide a 14-day window for amendment effects when a drawing arrangement is altered. These advance-notice provisions are contractual requirements and affect what you should expect if a plan’s terms change.
Billing cycles, proration and refunds
Billing route matters: whether your premium is collected directly by Domestic And General, by a retail partner, or via an app-marketplace influences refund and renewal mechanics. The PDS labels premiums and Policy Documents as the tax invoice and explains premium calculation; monthly programs commonly describe cancellation flexibility but leave proration mechanics to the policy or partner. Consequently, expect varied outcomes on partial-period refunds depending on the policy schedule and the merchant’s handling.
Customer experience with cancellation and service handling
What users report
Customer feedback collected from public review platforms shows a concentration of complaints about delays in repairs, disputed claim denials, and communication failures when a repair or replacement is sought under an extended-warranty or subscription plan. Many reports reference long resolution times and difficulties obtaining consistent status updates.
Positive reports are fewer but note broad policy features such as unlimited repairs and new-for-old replacement for active policies where claims are accepted. The monthly-pay messaging and some partner pages emphasise acceptance rates and network coverage, which some customers cite as beneficial when the policy is administered smoothly.
Recurring issues and practical takeaways
- Repair timelines: multiple reviews report slow repair or replacement turnaround, and some customers reference a 20-30 business day expectation for replacement processes that was not met.
- Coverage disputes: customers often dispute the applicable exclusion or the classification of a fault; these disputes frequently hinge on how the PDS defines mechanical failure, wear and tear, and accidental damage.
- Third-party distribution complexity: when a plan is sold via a retailer or marketplace, responsibility may be distributed between retailer, insurer and repair network, which can complicate escalation. Reviews show this as a common source of customer frustration.
Contractual rights and legal context relevant to Domestic And General
Domestic And General policies are insurance contracts subject to the Insurance Contracts Act and to applicable state/territory laws; they also operate alongside Australian Consumer Law (ACL) guarantees which cannot be excluded by contract. The PDS explicitly confirms that statutory ACL rights remain available to consumers.
Past enforcement: there is precedent involving extended-warranty marketing practices where Domestic And General was a party to litigation in which representations about extended cover were found problematic. Such history underscores the importance of comparing express policy terms to ACL entitlements.
Documentation checklist
- Policy document: keep the Policy Document or PDS and the policy schedule/tax invoice.
- Proof of purchase: invoice, product serial number, receipt from the retailer.
- Payment records: bank or card statements showing premium payments or direct debit authorisations.
- Claim history: dates, reference numbers, repairer notes, photographs and any replacement credits offered.
- Communications log: concise timeline of dates and the substance of communications with all parties involved.
Common contractual pitfalls and how they affect outcomes
Misreading the PDS: exclusions for certain parts, misuse and accidental-damage definitions are common grounds for refusal. Read definitions for "mechanical and electrical breakdown", "wear and tear" and "accidental damage" carefully.
Payment route confusion: when the plan is billed via a retailer or marketplace, the route can determine who issues refunds or handles renewals. This frequently affects the speed and form of any refund. Always reconcile the Policy Document to the payment records to identify the contracting party.
Disputes, escalation and external remedies
Contractual complaint channels are set out in the PDS and complaints policy, which also points to external dispute resolution via the Australian Financial Complaints Authority (AFCA) for eligible financial complaints. AFCA provides a free independent dispute resolution service where internal escalation has been exhausted.
Where consumer guarantees apply (ACL), remedies can include repair, replacement or refund independent of the insurer’s policy wording. If an insurer attempts to rely on an exclusion inconsistent with the ACL, the consumer guarantee channel remains an alternative.
| Issue | Practical legal implication |
|---|---|
| Claim declined due to exclusion | Review PDS exclusions and ACL guarantees; refusal may be reviewable by AFCA or via ACL pathways. |
| Delay in repair or replacement | Document timelines; lengthy delays can be evidence for replacement or other remedies under policy promises or ACL. |
Address
- Address: GPO Box 3004, Melbourne VIC 3001
What to do before and after cancelling Domestic And General
Before ending cover: reconcile the Policy Document against your payment records and compile a claims ledger for any open or recent repairs. Check the policy period terms to determine whether cover ends on expiry, replacement or formal cancellation. The PDS specifies conditions for cover cessation and replacement credits.
After ending cover: monitor your bank or card statements for any continuing debits and retain all final policy documentation and transaction records. If a charge persists that you dispute, your payment instrument’s dispute mechanisms and the DDRSA provisions may be relevant to investigate unauthorized debits. The Direct Debit terms note a 14-day allowance for amendments and set out how an incorrect debit is investigated.
If a dispute remains unresolved: you may escalate under the insurer’s complaints procedure and, if eligible, to AFCA or pursue remedies under ACL. Keep documentation concise: timelines, receipts, the PDS sections relied on and a clear statement of the remedy sought.
Practical next steps: treat the Policy Document and payment records as the primary contractual evidence; confirm whether a partner or Domestic And General is the contracting party; and take early action to preserve evidence if you intend to challenge a refusal or delay.