Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Axa
Level 21, Australia Square 264 George Street
2001 Sydney
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Axa 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 notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
16/01/2026
How to Cancel Axa: Complete Guide
What is Axa
AXA is a large international insurance and financial services group that operates through local entities and partners to offer car, travel, health and life products. The group positions itself as a global insurer with a network of brands and assistance services designed for individuals and businesses. For specific product lines and plan options the company publishes details per operating unit, including dedicated travel and Schengen products.
In practice the AXA name covers a range of offerings sold under different local licences and platforms: general insurance (including motor), travel insurance (including Schengen-focused policies), and life/investment linked products in various markets. Plan structure, billing cycles and cancellation terms therefore vary by product and by the AXA entity that underwrites the risk.
How cancellations typically work for Axa products
Cancellations and refunds depend on the product type and the policy document you hold. Typical elements that determine outcome are: the cooling-off or free-look period, whether premiums are paid annually or monthly, how the insurer calculates unused cover (proration), and any surrender or administration charges that apply to long-term or investment-linked policies.
Travel policies commonly include short cancellation/refund windows and explicit clauses for pre-departure refunds or no-cover periods. Car and household policies usually allow a pro rata refund for the unused period after the insurer applies any contract fees or short-term endorsements. Life and VUL-style products involve surrender values and may carry material charges in early years.
Times for refunds vary. Independent reviews and customer reports often cite delays in refund processing and communication problems; this means you should expect processing to take days to weeks in disputed or complex cases.
Customer experiences with cancellation
What users report
Public reviews collected on consumer platforms and forums show a mix of outcomes. Positive notes mention easy purchase and clear policy cover for standard trips; negative reports cluster around slow responses, difficulty securing refunds and perceived lack of helpful customer support when policies are changed or claims are made. A common short user phrase is: "Non-existing customer service."
Recurring issues and practical takeaways
From the feedback several consistent themes emerge: delayed refunds after cancellation requests, disputes about the effective policy dates or pre-existing condition exclusions, and frustration when automatic renewals or billing continue. These patterns repeat across travel and motor products in publicly visible reviews.
Practical takeaway: treat the policy document and certificate as the primary source of your rights, and expect the insurer to rely on policy terms when deciding refunds and proration. Consumers who reported success often kept clear documentation and followed up persistently until the matter was resolved.
Documentation checklist
- Policy documents: certificate, PDS or schedule showing effective dates and coverage.
- Payment records: receipts, bank or card statements showing premium payments and dates.
- Proof of change: travel bookings, cancelled flights, visas, or evidence showing the reason for a refund claim.
- Correspondence log: dates and brief notes of any written contacts and reference numbers where available.
- Claim forms and medical reports: where relevant for travel or life policies.
Key legal concepts that affect AXA cancellations
Free-look / cooling-off: many life and long-term products include a statutory or contractual free-look period (commonly 15 days in some markets) during which you can cancel for a refund of premiums or account value less permitted deductions. This concept also appears in bancassurance and life product documents in the Philippines market.
Surrender value: for investment-linked or life policies a cash surrender value accrues only after a number of full premium payments and may be reduced by surrender charges. The Insurance Code and product PDSs explain the basis for calculation.
Proration and administrative fees: general insurance typically uses a pro rata basis for unused cover; the insurer may deduct administration or short-term rates. The exact method is defined in each policy schedule.
How to prepare a cancellation or refund query
Problem: you need a clear, evidence-based case showing why your policy should be cancelled or refunded. Solution: gather the documentation checklist above, identify the precise clause or clause number in your policy that supports your claim, and prepare a concise chronology of events with dates. This makes it easier to present your case and, if needed, to escalate to an independent reviewer.
Tip: if your policy involves a visa requirement (Schengen) or a booked travel itinerary, keep booking confirmations and any official visa outcomes. Insurers assess the timing and whether coverage started in line with the certificate.
Tables: plan overview and cancellation features
| Product | Common plan types | Billing | Price (indicative) | Notes |
|---|---|---|---|---|
| Car insurance | Comprehensive, third party, third party fire and theft | Annual or monthly | Varies | Proration for unused period usually applies; insurer terms determine refund adjustments. |
| Travel insurance (Schengen) | Essential, Bronze, Gold, Platinum (single trip or multi-trip) | One-off premium per trip | Varies | Policies designed to meet Schengen visa rules; cancellation/refund rules vary by plan and date of purchase. |
| Travel insurance (general) | Single trip, annual multi-trip, corporate | One-off or annual | Varies | Short refund windows and specific exclusions are common; processing delays reported. |
| Life / investment-linked | Term, VUL, investment-linked life | Annual or regular instalments | Varies | Surrender values and free-look terms apply; early surrender often incurs charges. |
| Cancellation factor | What it means | Typical AXA position |
|---|---|---|
| Cooling-off / free-look | Period to cancel after receiving policy | Often available on life and some travel products; timeframe varies by market and policy. |
| Proration | Refunds calculated for unused cover | Applied for motor and household cover; exact method in schedule. |
| Surrender charges | Fees deducted from surrender value | Applies to long-term and VUL products in early years. |
| Processing time | Time insurer takes to assess and pay refunds | Varies; public reports often note delays and slow communication. |
Disputes, refunds and chargebacks
If you disagree with the insurer's outcome, there are staged options: use the insurer's dispute or internal review process first, and if that does not resolve the matter within the applicable internal timeframes, consider an external dispute body that covers financial services. In this market independent review is available through the financial complaints authority.
Do not rely on a single channel for evidence: keep copies of every document, and record dates you escalated the issue. If a refund is delayed, the payment processor or card network may also hold transaction records that help prove whether a payment was made or returned.
How axa handles Schengen and travel cancellations
AXA Schengen and AXA travel-branded products are structured to meet visa requirements and set minimum coverage levels. Refunds for Schengen policies are subject to the plan terms; some reviewers have reported fast refunds, while others report lengthy delays or disputes over start and end dates. This mixed performance suggests careful attention to policy dates is essential.
How to cancel axa life insurance Philippines
Life products in the Philippines typically include a free-look period (often 15 days) and surrender provisions for later cancellations. Surrender values, applicable charges and the method for calculating refunds will be set out in the policy schedule and in the product disclosures.
Practical approach: check your policy for the free-look clause, the required documents for surrender and whether the policy is within the initial years where surrender charges are highest. If you are past the free-look period, expect the insurer to apply the product's surrender formula and any fees stated in the PDS.
Common pitfalls to avoid when cancelling
- Missing the free-look window: refunds may be full in that window but reduced or denied after it closes.
- Assuming automatic proration: not all products refund on a straight pro rata basis; check the schedule.
- Poor documentation: lack of clear proof of dates or payments weakens disputes.
- Ignoring policy wording: cover start dates, exclusions and visa-related requirements often decide a refund outcome.
Address
- Address: Level 21, Australia Square 264 George Street - GPO Box 3973 Sydney - NSW 2001 - Australia
What to do after cancelling Axa
After cancellation, keep an organised file with the policy schedule, proof of payments, the cancellation acknowledgement (if provided), and any final settlement or refund advice. These items are the evidence you will rely on if you later need to dispute a charge or request a correction.
If a refund does not appear within the expected timeframe, verify your billing records, keep a dated log of communications and escalate through the insurer's formal dispute path. If the insurer’s internal process does not resolve the matter, you can take the issue to the independent financial complaints authority; time limits for external complaints can apply, so act promptly.
Finally, consider reviewing replacement cover before your old policy lapses if you still need protection. For life or investment products, compare surrender costs and long-term value before deciding; for travel or motor cover, match the scope of cover and exclusions rather than only price. This helps avoid protection gaps or unexpected charges later.