Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Chubb
Grosvenor Place Level 38, 225 George Street
2000 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 Chubb 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,
11/01/2026
How to Cancel Chubb: Complete Guide
What is Chubb
Chubb is a global insurer that underwrites a range of commercial and consumer insurance products including travel cover, high-net-worth home packages, business insurance and specialty lines such as fine art and jewellery. Many Chubb products in the local market are delivered with a Product Disclosure Statement (PDS) and policy wording that set out cooling-off, cancellation and refund mechanics specific to each product. First: several travel and masterpiece/home PDS documents state explicit cooling-off windows (commonly 14 or 21 days) and explain pro-rata refunds after that period.
How cancellations typically work for Chubb
Next: cooling-off and refund rules vary by product: travel policies often allow a 14-day cooling-off with a full refund if no trip has started and no claim has been made, while many home and speciality products provide a 21-day cooling-off period.
Most Chubb PDS documents state that outside the cooling-off window refunds may be calculated pro rata for unused cover and may be reduced where a claim has been paid or where taxes/charges are non-recoverable.
Keep in mind: timing matters. Refunds are typically processed based on the effective cancellation date recorded by Chubb and the policy’s period of insurance; if a claim has been made or cover has been used, refund eligibility may be restricted or void.
Notice periods and billing cycles
First: notice periods for Chubb products are product-specific and are set out in the PDS or policy wording. Many commercial and personal annual policies renew automatically unless a notice of non-renewal or cancellation is communicated within the renewal timeframe stated in the renewal documents.
Next: billing cycles vary by insurer arrangement; premiums can be paid annually or in instalments via a payment plan arranged at purchase. If premiums are paid monthly, cancellation calculations may refer to the last payment date or the pro-rata period remaining.
Proration and refunds
Additionally: where a policy allows pro-rata refunds, Chubb typically calculates the return premium based on the time the policy was in force and deducts any amounts related to claims or unrecoverable taxes.
Most importantly: some PDS text confirms that no refund is due if a claim has been paid under the policy and that administrative or policy setup fees may be non-refundable.
Customer experience with cancellation
What users report
Users on review sites report a range of experiences when cancelling Chubb products: positive reports note straightforward cooling-off refunds on some travel purchases, while negative feedback highlights repeated billing after cancellation, delayed refunds and slow complaint responses.
A typical verbatim concern captured on public review pages is: "kept charging my direct debit" which reflects repeated reports of ongoing charges after customers believed they had ended cover.
Recurring issues and practical takeaways
Recurring issues raised by users include: delays in refund processing, confusion about cooling-off windows on different products, and frustrations when claims or cover usage affect refund eligibility.
Practical takeaway: check the PDS for the specific product you hold so you know the cooling-off timeframe and the refund calculation rules before you act. Many complaints to Chubb escalate when the customer and the insurer interpret cancellation timing differently, or when charges recur due to payment arrangements.
Documentation checklist
- Policy details: PDS, certificate of insurance or policy schedule with policy number and effective dates.
- Proof of purchase: receipt or invoice showing premium paid and payment method.
- Dates and timeline: exact dates when policy started, renewal notices, and when any trip or cover commenced.
- Claim records: whether you have lodged any claim and dates/actions taken.
- Communication record: brief notes of any interactions you made including dates, names and what was agreed (keep contemporaneous notes).
- Banking evidence: statements showing premium debits and any subsequent refunds.
Common pitfalls and how to avoid them
- Missing the cooling-off window: the difference between 14 and 21 days matters per product; verify the PDS to avoid losing an eligible full refund.
- Assuming unpaid instalment equals cancellation: payment irregularities do not always end cover; check your policy wording to confirm cancellation consequences.
- Overlooking claims history: a past claim can remove refund eligibility; confirm whether any payment or benefit was applied.
- Not tracking bank entries: recurring debits are a frequent complaint; watch your statements immediately after you take any cancellation action.
- Assuming uniform rules across products: travel, masterpiece home and business policies can have different cancellation mechanics and cooling-off lengths.
Subscription plans and pricing at a glance
The insurer does not publish single standard "subscription" prices because premiums are risk-rated and vary by product, sum insured, occupancy, location and other underwriting factors. The table below lists common Chubb products and notes on pricing behaviour in local market documents.
| Product | Typical pricing presentation | Notes |
|---|---|---|
| Premier travel (one way / round trip) | Varies | Premium depends on trip duration, age limits and selected optional covers; cooling-off typically 14 days. |
| Masterpiece home insurance | Varies | Tailored high-net-worth product; cooling-off often 21 days and premiums are bespoke after appraisal. |
| Business and specialty lines | Varies | Commercial pricing is bespoke; premiums set by underwriting and may be annual or endorsed per risk. |
Feature comparison
Use this quick reference to compare cooling-off and refund mechanics across common Chubb product groups. Sources: PDS and product pages.
| Product group | Cooling-off days | Refund type |
|---|---|---|
| Travel insurance | 14 days | Full refund if no trip commenced and no claim; pro-rata outside cooling-off. |
| Home / Masterpiece | 21 days | Full refund in cooling-off period; pro-rata thereafter, subject to claims and recoverable taxes. |
| Business / specialty | Varies (check PDS) | Pro-rata refunds possible; contractual terms govern cancellations and returns. |
Disputes, complaints and escalation
Chubb publishes an internal complaints and customer resolution process and commits to set response timeframes in its complaints material; if you remain dissatisfied after the insurer's final response you may seek external dispute resolution with the Australian Financial Complaints Authority (AFCA).
Keep records of the insurer’s written position, the date you were notified of any decision and any promised timeframes; AFCA time limits for lodging complaints commonly apply and you should check applicable deadlines.
Address
- Address: Grosvenor Place Level 38, 225 George Street Sydney NSW 2000
What to do after cancelling Chubb
First: monitor your bank or card statements for at least two billing cycles to confirm that premium debits have stopped and that any eligible refund appears. Keep the documentation checklist handy while you review statements.
Next: if refunds are delayed or charges continue, compile a short chronology of events and the items from the documentation checklist to support any escalation. Most disputes hinge on clear timelines and evidence of purchase, cancellation date and bank activity.
Additionally: if you pursue a complaint with the insurer and the outcome is unsatisfactory, AFCA is the standard external escalation route for financial disputes and can consider remedies such as repayment of premiums, variation of fees or other remedies within its jurisdiction. Be mindful that AFCA caseloads can cause delays so document everything and act promptly.
Most importantly: retain all documents and timestamps, and verify the specific PDS or product wording that applied to your policy to avoid assumptions about entitlements and to strengthen any complaint or dispute you escalate.