Home insurance - Cancel renewal

Based on resolver’s experience to date, your insurer should send you a reminder when your policy is due for renewal, although be aware that some insurers will automatically renew your policy unless you have informed them you wish to cancel it. If your policy has automatically renewed and you wish to cancel it, UK insurance rules state that consumers have a 14-day “cooling off” period when they purchase most kinds of cover. So if you want to end a policy within two weeks of receiving your documentation, you should receive almost a full refund of your premiums. 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.

If you think the charges you face for cancelling your policy are unfairly high - or if you have had to make a cancellation because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged. As a last resort you can escalate your complaint to the Ombudsman, who will act as a mediator between you and your insurer. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.

Your complaint must be under 6 months old to be escalated to the Ombudsman.

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