It's common for users to overlook billing details until an unexpected charge catches their attention, such as an automatic subscription renewal. This guide is designed to clarify how refunds work with LHV Kindlustus, outlining eligibility criteria and the straightforward steps to request your money back swiftly. Whether you're navigating your first refund or just seeking more information, we're here to ensure you understand the process and feel supported.
What You Should Prepare Before Applying For Refund
Policy Number - Locate your insurance policy number, as it is essential for processing your refund request.
Claim Reference - If applicable, provide the claim reference number related to the refund.
Personal Identification - Prepare a copy of your identification, such as a passport or ID card, to verify your identity.
Original Payment Receipt - Gather the original payment receipt or transaction proof to confirm the payment made.
Reason for Refund - Clearly outline the reason for your refund request, as LHV Kindlustus may require specific details.
Bank Account Details - Provide your bank account details for the refund transaction, ensuring they match your application.
Supporting Documents - Include any relevant supporting documents that substantiate your refund claim, like medical reports or repair invoices, depending on the type of insurance.
Contact Information - Ensure your current contact information is available for any follow-up communications.
Policy Termination Confirmation - If applicable, provide confirmation of policy termination if that's a basis for your refund request.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Bank Transfer
3-5 working days
Credit Card
5-7 working days
Mobile Payment
1-3 working days
Direct Debit
4-6 working days
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from LHV Kindlustus
LHV Kindlustus provides various insurance products and services designed to meet the needs of its users. Understanding your eligibility for refunds is important to ensure that you are aware of your rights as a customer. Refund policies at LHV Kindlustus may differ based on the type of insurance you have as well as specific circumstances surrounding your policy. Here are some situations that may qualify for a refund at LHV Kindlustus:
Policy Cancellation Within the Cooling-Off Period: If you cancel your insurance policy within the statutory cooling-off period, you may be eligible for a full refund of the premium paid, provided no claims have been made.
Overpayment on Premiums: If it is determined that an incorrect premium was paid, such as in cases of changes to risk assessment or adjustments in your coverage, you might be entitled to a refund of the overpaid amount.
Policy Adjustments: In certain instances where you modify your policy—such as downgrading coverage or removing optional add-ons—you could be eligible for a refund of the unused premium.
Claims Denied Within the Policy Terms: If a claim is denied and you believe it should have been covered, you may want to discuss this with customer service, as this may lead to clarification on premium adjustments or potential eligibility for a refund.
Duplicate Insurance Coverage: If it is determined that you have enrolled in a policy that duplicates existing coverage, you may be eligible for a refund for the coverage that is no longer necessary.
For detailed guidance on your specific situation, it is recommended to reach out directly to LHV Kindlustus customer support, where representatives can provide personalized assistance based on your account and policy details.
Step-by-Step Process to Request Your LHV Kindlustus Refund Like a Pro
If you purchased through LHV Kindlustus.com:
Visit the lhv.ee website and log in to your account.
Navigate to the "My Account" section.
Select "Billing History" to view your purchases.
Identify the transaction you wish to request a refund for.
Click on the transaction and then select "Request Refund".
In the request form, mention that the subscription renewed without notice.
Include relevant details such as the date of charge and the service you are referring to.
Submit the request and wait for confirmation via email.
If you purchased through Apple:
Open the Settings app on your iPhone.
Tap on your Apple ID at the top, then select "Subscriptions".
Find and select the subscription related to LHV Kindlustus.
Choose "Cancel Subscription" if you wish, but note this is not mandatory for a refund request.
For a refund, go to the Apple Support website and navigate to the "Billing & Subscriptions" section.
Click on "Report a Problem" next to the relevant purchase.
In the issue description, emphasize that the account was unused.
Submit your case and monitor your email for updates.
If you purchased through Google Play:
Open the Google Play Store app on your device.
Tap on the menu icon (three horizontal lines) and select "Account".
Tap on "Purchase History" to find your transaction.
Select the purchase linked to LHV Kindlustus.
Scroll down and find the "Request a Refund" button.
Fill in the refund request form, noting that you did not receive adequate notice of renewal.
Submit the request and check your email for further instructions.
If you purchased through Roku:
Go to the Roku website and sign in to your account.
Select "Manage Account" from the menu.
Click on "Billing and Subscriptions".
Find the subscription for LHV Kindlustus and select it.
Click on "Cancel Subscription" if prompted, which can initiate the refund process.
Follow the prompts for "Contact Support" for refunds.
In your message, mention that the service was not used to support your request.
Submit your request and look for a confirmation email.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
I would like to bring to your attention the following billing situation: [describe reason].
In light of this, I would like to request a refund of [Amount].
Please find attached any relevant documentation to support my request.
I kindly ask for confirmation of the receipt of this request within 3-5 business days.
Thank you for your attention to this matter.
Sincerely, [Your Name] [Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been submitted but not yet reviewed.
Your refund is in queue and will be processed shortly. Please allow 1-3 business days for evaluation.
Processing
The refund is being processed and funds are being prepared for return.
Your refund is actively being worked on. Expect completion within 2-5 business days.
Refunded
The refund has been successfully completed and funds have been returned.
You should see the refunded amount in your account within 3-5 business days.
Partially Refunded
A portion of the original transaction amount has been refunded.
Check your account for the refunded amount. If you expected a full refund, please contact us.
Completed
The refund process is complete, and all activities have been finalized.
Your refund is finalized, and no further action is needed from your end.
Canceled
The refund request has been canceled before processing.
If you did not initiate this action, please reach out to customer support for assistance.
Real User Scenarios: When and How Refunds Were Successfully Claimed
Users frequently engage with LHV Kindlustus for various insurance products and services. Here are some realistic scenarios where refunds have been successfully claimed:
Unexpected Circumstances Cancellation: A customer enrolled in a travel insurance policy had to cancel their plans due to a family emergency. After contacting customer support to confirm cancellation, they were able to receive a pro-rated refund for the remaining policy period.
Policy Upgrade Adjustment: An individual initially signed up for a basic health insurance plan but later decided to upgrade to a more comprehensive coverage. Upon contacting LHV Kindlustus for an adjustment, they found that they were eligible for a refund on the difference in premium rates, effectively applying it toward the new policy.
Service Changes Notification: A user received a notification about changes to their home insurance terms, which led them to reconsider their coverage. After expressing their intent to withdraw from the updated plan, they successfully claimed a refund for the unused portion of their annual premium.
Accidental Double Payment: A customer accidentally made two premium payments for their car insurance while managing their account online. When they contacted LHV Kindlustus to clarify the situation, they were assured and successfully reclaimed one of the payments after confirmation of the account's status.
The Easiest Way to Get a LHV Kindlustus Refund
If you're frustrated trying to get a refund from LHV Kindlustus—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
When you've made a request for a refund through LHV Kindlustus, it's essential to stay informed about its status. Here’s how you can efficiently track your refund:
Check Your Email: LHV Kindlustus sends updates regarding your refund status directly to your registered email. Look for emails with specific subject lines such as "Refund Status Update" or "Your Refund is Being Processed."
Use the LHV Mobile App: If you have the LHV mobile app, you can check your refund status directly from your phone. Navigate to the "Account" section and select "Transactions" to see the latest updates on your refund.
Visit the Account Dashboard: Log in to your LHV Kindlustus online account and go to the "Orders" section of your dashboard. Here, you’ll find detailed information about your refund status.
Monitor the Billing Section: In the
FAQ
Unfortunately, if you forget to cancel your policy on time, a refund may not be available for the payment made. It’s important to review the specific terms of your policy regarding cancellations and refunds. For personalized assistance, consider contacting LHV Kindlustus directly to discuss your situation.
Refund processing times can vary depending on the payment method used. Typically, refunds are processed within 5 to 10 business days, but it may take longer for the amount to reflect in your account due to bank processing times. For the most accurate information, it's advisable to check with your bank or financial institution.
If you see a charge from LHV Kindlustus but do not have an active subscription, please first verify your account status and subscription details in your online profile. If everything appears correct and the charge is still unclear, contact LHV Kindlustus customer support for assistance in resolving the issue.
If you're unable to secure a refund directly from LHV Kindlustus, consider reaching out to their customer service once more for additional assistance. You may also explore the option of escalating your inquiry within their support system to ensure your concerns are thoroughly addressed. Reviewing your account details for any additional information or options might also prove helpful.
If LHV Kindlustus refuses to issue a refund, you may want to review their refund policy for specific guidelines related to your situation. Additionally, consider reaching out to their support team again for clarification or further assistance. It may also be helpful to verify your account details to ensure all information is accurate.
Chargeback and the Chargeback trademarks used herein are trademarks or registered trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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