Product insurance - Policy cancellation issue

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Based on resolver’s experience to date, if you want to cancel your mobile phone insurance within two weeks of receiving your documentation, you should receive almost a full refund of your premiums. But you may have to pay an administration fee (typically less than a full cancellation charge) as well as the cost of however many days you were covered for. UK insurance rules state that consumers have a 14-day “cooling off” period when they purchase most kinds of cover.

Once the 14-day cooling-off period has passed, the penalties for cancelling your policy increase. You will be charged a cancellation fee, and the amount you are refunded for the unused premiums will be limited. Check your insurer’s policy to see what their fees are before you cancel. Often, it may not be worthwhile cancelling your mobile phone insurance if it only has a little while left to run.

In order to cancel you should write a formal letter to your insurer telling them that you wish to cancel your insurance and asking them to send you a refund (if you paid your entire policy at the beginning of the insured period) or a bill for the costs associated with cancellation (if you paid in installments). You should also contact your bank, if you were paying for insurance by direct debit, and instruct them to cancel the direct debits to your insurer. Alternately, your insurer will be able to instruct you in how to undertake their customized cancellation process - often online.

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You should know
  • If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

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