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cancellation FWD: Easy Method
What is FWD
Overview
FWD is a digital insurance provider operating in multiple markets, offering life, health, travel and general insurance products with online policy management and flexible payment options.
The company focuses on a simplified customer experience and digital-first service, allowing purchases, renewals and some cancellations via online channels.
Primary products
Common FWD products include life plans (e.g., Set for Life), travel insurance (single-trip and annual), motor and home insurance, and personal accident covers.
Product features, eligibility and cancellation rules can differ by product and by market, so always check the policy terms for the UAE-specific rules that apply to your plan.
How to cancel FWD
Preferred methods
- Online: Log into your FWD online account (preferred and usually fastest).
- Email or phone: Submit a cancellation request to FWD customer support by email or call the local helpline.
- Postal mail: Send a signed cancellation letter if required by your policy or local practice.
Step-by-step (online)
- Sign in to your FWD Online account and locate the policy you want to cancel.
- Choose the cancellation option and follow the prompts; upload any required documents.
- Confirm the cancellation and note the effective date and any reference number for follow-up.
What happens when you cancel
Policy access and coverage
Coverage ends on the cancellation effective date specified by FWD or as stated in your policy terms.
If you cancel during the free-look period and no claim has been made, the policy is typically voided and treated as not taken up.
Renewals and data
Automatic renewals stop once the cancellation is processed; confirm with FWD that recurring payments are cancelled.
FWD will retain policy records per regulatory and company retention policies; contact FWD if you need copies of cancelled policy documents.
Will I get a refund?
Free-look period
FWD offers a 14-calendar-day free-look cancellation period during which you may cancel and receive a full refund, provided no claims have been made.
Always confirm the free-look start date (policy issuance or delivery date) in your policy schedule.
Refunds after coverage starts
- Travel insurance: If cancelled before coverage starts, a full refund is normally given. After coverage starts: single-trip policies usually do not provide a refund; annual multi-trip policies may provide pro-rated refunds based on remaining full months.
- Motor/commercial/motorcycle: After coverage starts, refunds are commonly calculated on a pro-rata basis but may be subject to a percentage and administrative charges (for some FWD motor products an 80% pro-rated refund is applied if no benefits are payable).
- Product-specific rules: Maid/domestic worker plans, personal accident, health, life and critical illness plans have varied refund rules; some allow pro-ration, others have admin fees or no refund once cover has started.
Refund timing can vary; some customers report delays. Keep proof of your cancellation request and follow up with FWD customer service if a refund is delayed.
FWD plans and pricing
How pricing works
FWD plan prices vary by product, coverage level, age, location and underwriting. Official quotes reflect these variables.
FWD does not publish standard flat prices for all plans; you should request an online quote or contact FWD for a UAE-specific premium.
Contact for pricing
| Plan | Price |
|---|---|
| Set for Life (life insurance) | Contact for pricing |
| Travel Insurance (single-trip / annual) | Contact for pricing |
| Motor / Home / Health | Contact for pricing |
For an accurate premium, obtain an online quote via FWD's website or speak to a local advisor.
Your consumer rights in United Arab Emirates
Regulatory framework
Insurance in the UAE is supervised by national authorities and specific rules apply depending on product type (for example, motor insurance follows approved schedules).
The Central Bank of the UAE sets policies and oversees consumer protection for many insurance matters.
Cancellation and refund rights
- Cancellations related to vehicle ownership change (sale, export, deregistration) or total loss are commonly permitted, with refunds calculated on a pro-rata or short-rate basis under approved schedules.
- Insurers may require supporting documents such as deregistration certificates, new registration, or Emirates ID before processing refunds.
- If you believe an insurer has not complied with UAE rules, you can contact the Central Bank or the relevant regulator to raise a complaint.
Customer experiences
Positive feedback
Many customers praise FWD for straightforward online applications, easy renewals, and quick travel claim approvals and payouts in positive reviews.
Fast, helpful customer service and a user-friendly portal are frequently mentioned by satisfied policyholders.
Common complaints
Some customers report delays in refund processing even when cancelling within the free-look period; delays of several weeks have been noted in public forums.
There are occasional reports of claim denials or disputes where claim administrators were slow to respond; keep detailed records and escalate if needed.
Documentation checklist
For general policies
- Policy number and insured name.
- Proof of purchase or policy schedule (email or PDF).
- A signed cancellation request or completed online cancellation form.
For motor, travel and other specific policies
- Motor: vehicle registration, sale/deregistration certificate, Emirates ID and any proof of transfer.
- Travel: passport copy, policy schedule, and booking evidence if relevant to refund timing.
- Domestic worker or specialised covers: employer or work permit documentation as required by the policy.
Common mistakes
Timing errors
Waiting until after coverage has started is a frequent mistake - certain products (e.g., single-trip travel) often do not allow refunds once cover begins.
Missing the 14-day free-look window can convert a full-refund opportunity into a pro-rated or no-refund outcome.
Documentation errors
Submitting incomplete documents delays processing. For motor cancellations, missing deregistration or sale certificates is a common cause of refund rejection.
Assuming email confirmation is sufficient without saving policy numbers or reference IDs makes follow-up harder.
Comparative recap
Key features compared
| Feature | Free-look (first 14 days) | After coverage starts |
|---|---|---|
| General refund | Full refund if no claim made | Pro-rated or subject to product rules and admin fees |
| Travel - single-trip | Full refund if cancelled before start | Usually no refund once cover starts |
| Travel - annual | Full refund if cancelled before start | Pro-rated refunds by remaining full months (tiered) |
| Motor / commercial | Full refund if cancelled within free-look and no claim | Pro-rated; example: some products refund ~80% of pro-rated premium if no benefits payable |
After cancelling
Next steps
- Obtain and save written confirmation of the cancellation and any refund reference number.
- Monitor bank statements and contact FWD if refund is not received within the timeframe stated by the insurer.
Useful links
- FWD official site
- FWD: Free-look / change of mind (help article)
- FWD: How to cancel a policy (help article)
- FWD: Refund rules by product (help article)
- Central Bank of the UAE (regulator)
Address
Mailing address
In5, Hai d3, Dubai Design District, P.O. Box 333300, Dubai, United Arab Emirates.
Office location
Use the address above for written correspondence. For service or policy enquiries, contact FWD through the customer service channels listed on their official website.
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Written by Zayed Al Mansouri
Former postal advisor · 7 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 7 years to demystify legally binding mail for everyday users.