Protect before a problem
Add a Purchase Passport, verify evidence and request eligibility before any known issue begins.
ClaimBack Protected
Recovery first. Protection second.
ClaimBack helps pursue your money first. If an eligible protected transaction still has a covered loss after the available recovery process, a protection benefit may then be assessed under approved terms and limits.
ClaimBack Protected is available with controlled manual approval
Eligibility, verified recovery attempts, plan limits, identity checks and authorised manual approval apply to every financial benefit. Applications may be paused when a portfolio control is reached.
Recover first
The existing ClaimBack claim, follow-up and escalation tools help pursue available recovery.
Calculate the remaining loss
Verified refunds, credits, replacements and other recovery reduce the eligible loss.
Assess under approved terms
Only an authorised decision source can approve a benefit, subject to limits and exclusions.
The correct calculation
Benefits are based on the remaining eligible loss.
A partial merchant refund or other verified recovery reduces the loss before a percentage and plan caps are applied. Values remain indicative until authorised approval.
- Original transaction
- $1,500
- Merchant refund
- − $400
- Other recovery
- − $500
- Remaining eligible loss
- $600
- Illustrative 50%
- $300 indicative
No double recovery
Refunds, credits, replacement value and settlements reduce the remaining eligible loss under the current rules.
Evidence and eligibility
Protection must be requested before a known problem and requires truthful, verified information.
Manual approval
No benefit is automatic. An authorised administrator reviews every assessment and payment.
Prepare your purchases
Open ClaimBack Protected Choose a plan and protect an eligible purchase.
Read the current benefit disclosure before joining. Emergency portfolio controls can temporarily pause new sales or transactions.
Read ClaimBack Protected terms