Hi Richard,

It looks like Genworth have removed any ability to get a refund when they updated their policy this month, or sometime between my last investigation and this update.
http://genworth.com.au/docs/underwriting-policy/lmi-underwriting-policy-australia-jan2012.pdf?Status=Master
From memory they were offering 40% refunds within 1 year and 20% from 1-2 years (could have been more but either way better than nothing), existing loans may well be eligible for the older refunds with the exception of loans written through CBA whom recieved a discount on premiums for waiving the ability to refund (there may be others, I do not believe this is explicitly related to their DUA).

QBELMI still have a provision for a partial refund within 12 months but it is dependant on their agreement with the lender.
http://www.qbelmi.com/Uploads/Documents/07d19505-24fe-42af-97da-d48054b480f1.pdf
page 33
 "Depending on arrangements between QBE LMI and Lenders, a partial refund may be payable if all loans secured by the Insured Mortgage are repaid in full and the Insured Mortgage is discharged within 12 months of payment of the Premium in respect of the initial loan advance and QBE LMI is advised within 30 days of discharge."
and
"Borrowers should be advised to direct any premium refund enquiries to their Lender."

So as mentioned in my other post it is getting harder to seek a refund for any new loans, especially when QBELMI require you to refi to get it (almost certainly cost prohibitive unless you can get reasonable gains through a more competitive product/structure)

As you may have gathered I have not successfully obtained a refund as yet however it certainly does not hurt to be aware of the policy provisions and to make further enquiries as required.

Cheers,

Rhys.

Edit: Existing loans will likely be covered by the policy of the day, which is why I deal with these case by case