Cancellation service N°1 in United States
Contract number:
To the attention of:
Cancellation Department – Direct Auto Insurance
P.O. Box 3199
27102-3199 Winston-Salem
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Direct Auto Insurance 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,
15/01/2026
Cancellation Direct Auto Insurance: Easy Method
What is Direct Auto Insurance
Direct Auto Insurance is a private auto insurer that sells vehicle coverage directly to drivers, typically emphasizing straightforward policies and pay-as-you-go or usage-based features. It operates primarily in the United States but some customers in Canada may hold policies through cross-border arrangements, third-party agents, or legacy registrations.
How to cancel Direct Auto Insurance
- Contact Direct Auto first to ask about available cancellation methods (online portal, phone, mail, fax) and any required notice period; keep the date and name of the representative.
- If required or preferred, prepare a handwritten cancellation letter including your full name, policy number, current address, date of birth, desired cancellation date, and your signature.
- Send the handwritten letter by regular mail or by fax (fax only if you have the correct fax number); sending by registered mail (raccomandata A/R) is recommended to obtain delivery proof.
- Retain copies of the letter, fax confirmation or tracking receipt, and any email or chat confirmation you receive from the insurer.
What happens when you cancel
When you cancel a Direct Auto Insurance policy, the insurer will process the request according to the policy terms and applicable provincial rules. Coverage ends on the effective cancellation date; you should not drive the insured vehicle after that date unless you have replacement coverage. The insurer will update their records and will not renew the policy for the subsequent term unless you take steps to reinstate it.
Insurers retain policy records and claims history in accordance with privacy and record-keeping laws. Cancellation can affect any ongoing claims, endorsements, or monthly payment arrangements, so confirm how active claims will be handled and whether outstanding balances remain.
Will I get a refund?
Refunds on cancelled auto insurance are common but depend on the contract terms and provincial regulations. In many cases the insurer will calculate a prorated refund for the unused portion of your premium after deducting any applicable cancellation fees or short-rate charges specified in your policy. Exceptions include unpaid premiums, fraud, or termination for reasons allowed under the policy or by law, which may reduce or negate a refund. Always ask for a written explanation and itemized calculation if a refund is denied or differs from your expectations.
Direct Auto Insurance plans and pricing
| Plan | Typical coverage | Typical price |
|---|---|---|
| Third-Party Liability (Basic) | Liability for third-party injury and property damage | Varies |
| Collision | Repair or replacement after at-fault collisions | Varies |
| Comprehensive | Non-collision losses (theft, vandalism, weather) | Varies |
| Combined/Full Coverage | Liability, collision, comprehensive and optional extras | Varies |
Your consumer rights in Canada
Auto insurance is regulated at the provincial level in Canada. You have the right to clear contract terms, to receive a written confirmation of cancellation and any premium adjustments, and to file complaints with your provincial insurance regulator if you believe the insurer has not followed the contract or relevant rules. Provincial regulators and consumer protection agencies can explain local timelines, permitted cancellation fees, and dispute procedures. If you need guidance or advocacy, contact the Insurance Bureau of Canada or your provincial regulator for current rules and complaint processes.
Customer experiences
Customer reports vary. Many policyholders find cancellation straightforward when handled online or by phone and receive prompt confirmations and refunds. Other customers have reported delays in processing, difficulties obtaining a clear refund calculation, or lapses in receiving written confirmation. Experiences also depend on how recently the policy was renewed, whether there are active claims, and whether payments are up to date.
Documentation checklist
- Policy number, policyholder full name, and current address
- Date of birth and contact phone/email
- Desired cancellation effective date and signed handwritten cancellation letter (if required)
- Proof of mailing (registered mail receipt or tracking) or fax confirmation
- Forwarding address or bank details for refund, if requested
- Proof of new insurance if transferring coverage
Common mistakes
Common mistakes include failing to obtain written confirmation of cancellation, assuming automatic cancellation without following the insurer’s required steps, and cancelling without first securing replacement coverage (which can create a lapse and affect rates). For example, customers have assumed their online request was sufficient but later discovered automatic payments continued because the insurer required a signed letter. Another frequent error is sending the letter to an incorrect address or failing to keep proof of delivery.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online portal or web form | Usually prorated; depends on policy | Low |
| Phone call to customer service | Usually prorated; confirm written follow-up | Low to Medium |
| Mail or faxed handwritten letter (recommended registered) | Usually prorated; best for clear proof and formal requests | Medium |
After cancelling
After cancellation, expect to receive a written confirmation and an explanation of any refund or balance due. Monitor your bank account or the method you specified for the refund, and keep all cancellation records for at least a year or longer if there are pending claims. Update any automatic payments or third-party billing arrangements to prevent continued withdrawals. If you encounter problems, contact the insurer’s customer service and escalate to the provincial regulator or consumer protection agency if needed.
Helpful resources: Insurance Bureau of Canada, your provincial insurance regulator’s website (search by province), and the insurer’s official website or customer service page. If you need to file a complaint, your provincial regulator can explain the dispute resolution steps.
Address
If you choose to send a handwritten cancellation letter by regular mail or by fax, include your policy number, name, address, date of birth, cancellation date and signature. Sending by registered mail (raccomandata A/R) is recommended for proof of delivery.
P.O. Box 3199, Winston‑Salem, NC 27102‑3199, United States