Cancel HISCOX online
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Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Hiscox service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
cancellation Hiscox: Step-by-Step Guide
What is Hiscox
Overview
Hiscox is a global specialist insurer that offers a range of business and travel insurance products. It operates internationally through a group of companies and local offices serving different markets.
Products relevant to individuals in UAE
Hiscox is best known for business insurance lines, but it also offers travel and personal policies in some regions. Availability and exact cover details vary by country and are often provided via local quotes.
How to cancel Hiscox
Recommended primary steps
- Locate your policy number, purchase date and proof of payment before contacting Hiscox.
- Contact Hiscox by phone for the fastest response; keep a written record of the call time and representative details.
- If phone is not available, use email or postal mail to request cancellation and ask for written confirmation.
Channels and practical tips
- Telephone: preferred for speed and immediate confirmation. Ask for a cancellation reference number.
- Email/postal: send a dated cancellation request including policy number, reason and preferred refund method.
- Online/App: UAE-specific guidance for cancelling via App Store, Google Play or web portals was not found; verify if your purchase was through a local broker or online portal.
What happens when you cancel
Policy access and cover
Coverage typically ends on the cancellation date specified by the insurer or on the date you request cancellation. Confirm the effective cancellation date in writing to avoid gaps or disputes.
Renewal and future purchasing
Cancelled policies will not auto-renew. If you want new cover later, you will need a fresh quotation and likely a new underwriting assessment.
Data and records
Hiscox will retain policy and claims records in line with its data-retention policies and applicable law. Request confirmation of data handling if you need records deleted or transferred.
Will I get a refund?
General refund position
Refund eligibility depends on the product terms and the timing of cancellation. Some policies offer a pro rata refund if cover is cancelled before any claim or before travel starts.
Known UK rule and UAE status
Hiscox UK travel policies can be cancelled within 14 days of purchase (a free-look period), but the insurer may recover costs if travel has already started or a claim was made during that period.
No equivalent 14-day cooling-off or explicit refund policy was located for Hiscox in the UAE; local refund terms remain unverified and should be checked directly with Hiscox or your broker.
Common refund exceptions
- No refund or reduced refund is common if a claim has been submitted or travel/cover has commenced.
- Administrative fees or cost recovery for services already provided may be deducted from any refund.
Hiscox plans and pricing
Pricing availability
Hiscox does not publish fixed AED pricing for the United Arab Emirates (2024/2025). Pricing appears to be available only via individualized quotes.
How to get a quote
Contact Hiscox directly or use an authorised broker/portal to request a tailored quote for UAE cover. Ask for a written schedule showing premiums in AED if needed for local payments.
| Plan | Price (AED) |
|---|---|
| Single policy / Travel / Business | Contact for pricing - obtain a personalised quote |
Your consumer rights in United Arab Emirates
Local law overview
No Hiscox-specific UAE consumer-rights information was found in the sources reviewed. UAE consumer protection is administered through official government channels and may apply to insurance purchases.
How to verify your rights
- Check the UAE Government consumer protection guidance for general rights on cancellations and refunds: UAE Government - Consumer Protection.
- Ask Hiscox for the specific terms that apply to your UAE-policy, including cooling-off periods, refund calculation and complaint escalation.
Escalation and complaints
If you cannot resolve a cancellation or refund with Hiscox, request their formal complaints process and keep records. You can then consider contacting UAE consumer-protection authorities for further guidance.
Customer experiences
Positive feedback
Some customers praise Hiscox for a fast and efficient claims process and responsive support during stressful situations. Official Hiscox claims reviews highlight these positive experiences.
Negative feedback
Global review platforms report recurring complaints about difficulties cancelling policies, delays obtaining refunds, billing issues and poor communication.
These negative reviews are not UAE-specific; evaluate local experiences by asking for references or broker feedback in the UAE market.
Documentation checklist
Essential documents to prepare
- Policy number and full policy schedule or certificate.
- Proof of purchase (receipt, email confirmation) and payment method details.
- Identification (passport or Emirates ID) and contact details.
Supporting documents for refunds or disputes
- Proof of travel dates or proof that cover had not yet commenced (if claiming cooling-off).
- All correspondence with Hiscox, including emails, call logs and written confirmations.
- Bank details or payment instructions for refund processing.
Common mistakes
Timing errors
Waiting too long to request cancellation is a frequent mistake. If a cooling-off period applies, submit the request within the timeframe stated in your policy.
Assuming universal rules
Assuming the UK 14-day rule applies in UAE is risky. Product terms and local regulations differ, so always confirm the exact terms for your UAE policy.
Poor record-keeping
Failing to keep copies of cancellation requests, confirmations and proof of purchase complicates refund or complaint resolution. Preserve all correspondence until the matter is closed.
Comparative recap
How Hiscox compares (key points)
Below is a high-level comparison to help you evaluate Hiscox versus a generic insurer offering similar lines.
Notes on interpretation
Entries below reflect verified points: Hiscox UK has a 14-day cooling-off for travel products; pricing in UAE is not published publicly and requires a quote.
| Feature | Hiscox (verified notes) | Typical alternative insurer |
|---|---|---|
| Cancellation window | 14-day cooling-off known for Hiscox UK travel policies; UAE status unverified | Varies by insurer and jurisdiction; often a short cooling-off period where required |
| Refund policy | May recover costs if travel started or a claim made within the cooling-off period (UK) | Some insurers refund pro rata if no claim and cover not used; exceptions common |
| Pricing transparency (UAE) | Not published publicly - contact for a quote | Some competitors publish sample AED prices or clear quote tools |
After cancelling
Confirmations to obtain
- Written cancellation confirmation with effective date and any refund amount or deduction breakdown.
- Reference number for the cancellation and the name of the representative who handled the request.
Useful official links
- Hiscox global site and contact information: Hiscox Group
- Hiscox claims and policy management resources: Hiscox Claims Center (reviews)
- UAE Government consumer protection guidance: UAE Government - Consumer Protection
Address
Hiscox registered address
Hiscox Ltd Chesney House 96 Pitts Bay Road Pembroke HM 08 Bermuda.
Contact advice
For UAE-specific enquiries, request local contact details or an authorised broker from Hiscox. Always keep records of any local representative you deal with.
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FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.