Did you pay for mortgage insurance all at once?
Many banks forced clients to pay a single-premium life or payment protection insurance when signing a mortgage. If that happened to you, you may be entitled to a refund of thousands of euros.
SINGLE-PREMIUM INSURANCE
Why can you claim?
Mortgage insurance policies paid as a lump sum — often hidden in the fine print — were mandatory in many mortgages. Courts are now declaring these policies abusive if the customer had no real choice.
Insurance was required to get the mortgage
The beneficiary was the bank, not you
You had no alternatives or options to pay monthly
Courts are ordering refunds for these cases
OUR PROCESS
How Dazzle Premium Refunds Works
Step-01
Free Legal
Review
We analyze your mortgage and insurance contract
Step-02
Full Claim Preparation
We gather the documents and contact your bank
Step-03
Legal Action (if necessary)
If the lender refuses, we represent you in court
Step-04
No Win, No Fee
You only pay if we recover money*
* If court action is needed, we’ll provide a clear quote in advance
What documents do you need?
To start your claim, we’ll need the following:
Mortgage deed
Insurance contract or certificate
ID Document
Contact details
WHY CHOOSE US
We help you recover what was never yours pay
Thousands of clients paid for insurance that benefited only the bank. We help you claim back that money — safely, legally, and with no upfront costs.
Average refund range
- 90%
Specialist legal team
Document recovery included
High success rate in insurance claims
Can I still claim if my mortgage is paid off?
Yes. Most of these policies were sold before 2019 — and they are still eligible for a refund today. Even if your mortgage has ended, you can still claim back what you overpaid.
LEGAL BACKGROUD
Why Courts are ordeding refund on these insurance policies?
Multiple Spanish courts have ruled that single-premium insurance contracts tied to mortgages were abusive when:
-
The insurance was required
-
There was no alternative
-
The beneficiary was the lender
-
The customer wasn’t properly informed
Madrid Court Ruling – 2021
Declared null the insurance when imposed without alternatives
Barcelona Court – 2022
Refunds ordered due to lack of transparency and consent
Applicable nationwide
These rulings set a precedent across Sapin
FREQUENTLY ASKED QUESTIONS
Reclaim your money. Cancel your debt
What is single-premium mortgage insurance?
A life or payment protection policy paid in one lump sum, usually required by the bank when signing the mortgage.
How do I know if I had one?
Check your mortgage deed and see if there’s a charge for life or payment protection insurance. Or send it to us for review.
Can I claim even if the mortgage is over?
Yes. These refunds are still valid if the policy was imposed unfairly.
How much can I recover?
Anywhere from €6,000 to €30,000, depending on the policy and how long it’s been.
Is this a risky legal process?
Not at all. You don’t pay anything upfront, and we only move forward with full transparency and your approval.
CONTACT US
Contact us – We`re here to help
Have questions? Want to know how much you could recover?
Reach out to us — no pressure, no commitment.
At Dazzle Premium Refunds, we believe in clear, honest communication. Whether you prefer email, phone, WhatsApp, or our contact form, we’re ready to answer your questions and review your case.