Pet insurance - Cancel renewal

Based on resolver’s experience to date, the procedure for pet insurance renewal varies from insurance company to insurance company. Commonly, insurance will be renewed automatically at the end of each year of insurance unless you contact your insurer in advance of the end of the year and ask that they do not renew your insurance policy. Many insurers will ask that you give them notice that you do not wish to renew some period in advance of the renewal date (sometimes as long as 28 days) so you should attempt to do this. Other insurers will send you a renewal quote at the end of the year and should not renew your insurance unless you respond to it - however, it is probably wise to contact your insurer to inform them that you certainly do not want your insurance renewed, just in case. resolver can assist you in submitting and recording your notice that you do not wish to have your insurance renewed.

If your insurance has been renewed recently then it is possible that you will still be within the 14 day cooling off period when insurance can be cancelled with only minimal administrative charges. In any case, to cancel you should contact your insurer setting out your desire to cancel and asking how much it will cost to do so (or how much of your premium you will recover). If you believe that the amount you are being charged to cancel your renewed contract is too much then you should write to the customer services department of your insurer setting out your complaint and asking that you be given a greater refund. You should state why you believe the amount you are being charged is excessive, and why you believe that your insurance was unfairly renewed.

As a last resort, you can escalate your complaint to the Ombudsman, who will mediate between you and your insurer.

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.

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.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your insurer, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 6 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

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