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Cancellation service #1 in Canada
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Duuo 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.
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- guarantee the validity of an incorrect or outdated address.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.
Cancellation Duuo: Easy Method
What is Duuo
Duuo is a Canadian online insurance platform operated in partnership with The Co-operators that offers month-to-month tenant (renters) insurance and other specialty insurance products. It is positioned as a digital, self-serve insurer with online quotes, account management and recurring payment options.
How to cancel Duuo
- Web (via Duuo account dashboard): Log into your Duuo account → Navigate to your dashboard → Select "Cancel Coverage" → Choose the last full day of coverage → Confirm cancellation ("Yes"). Coverage ends at 12:01 am the day after the last full coverage day.
- Timing and effects: Duuo policies are month-to-month with no midterm cancellation fees; you may cancel up to 60 days in advance. You will be charged only for the elapsed portion of the month and a prorated refund will be issued for the remainder.
- Recurring payments / PAD: If you use a Pre‑Authorized Debit (PAD) you must provide at least 10 days' notice to stop withdrawals. Cancelling a PAD does not automatically cancel the policy - the policy remains active until outstanding amounts are settled.
- Registered mail (recommended for proof): Send a written cancellation notice by registered mail (raccomandata A/R) to ensure proof of delivery. Address: Duuo, Suite 1400, 1 York Street, Toronto, Ontario M5J 0B6, Canada.
What happens when you cancel
After you confirm cancellation via the dashboard, your policy will stop renewing and coverage will end at 12:01 am the day after the last full coverage day you selected. Your online account will typically remain accessible for records and any outstanding transactions must be settled. Duuo retains policy and payment records in accordance with its privacy and record-keeping practices; you should download or save any documents you want for your records before they are removed from your account.
Will I get a refund?
Duuo issues prorated refunds for the unused portion of the month when you cancel through the dashboard. Refunds are typically processed back to your original payment method and, depending on your financial institution, usually appear within a few business days - commonly 3 - 10 business days (some banks may take up to 10 business days). For recurring payments or PADs, refunds over C$1 are issued digitally to the original payment method. Note that there is no published consumer "cooling-off" 14‑day full-refund right in Duuo's public policies; refunds are prorated based on the cancellation date and there is no refund for previously elapsed coverage. If you need to dispute a PAD withdrawal, you have rights through your bank under PAD rules (see next section).
Duuo plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Tenant Insurance (monthly) | C$17.00 | Monthly | Month-to-month renters insurance, no cancellation fees; exact limits and premium depend on liability and contents coverage selections |
Your consumer rights in Canada
There is no indication in Duuo’s published FAQ, Help Center or Payment Agreement of a statutory 14‑day cooling-off period that guarantees a full refund. Under Duuo’s stated refund policy, refunds are prorated according to when you cancel and no refund is provided for time already covered. If you pay by PAD, you have the right to dispute a pre‑authorized withdrawal with your financial institution (typically within 90 days of the transaction). Cancelling a PAD with your bank does not automatically cancel the insurance policy; you must cancel the policy with Duuo directly. Plan your cancellation timing carefully to maximize any prorated refund and contact your bank promptly if you intend to dispute a PAD payment.
Customer experiences
User reviews are mixed. Many reviewers on Reviews.io give Duuo a strong rating (for example, 4.7/5 from over 2,300 reviews) and praise its convenience, ease of use and practicality. Positive comments commonly describe the platform as simple and efficient for renters insurance.
However, other reviews (including on Trustpilot) report frustrations: lower overall scores and complaints about difficulty cancelling by phone, reports of needing lengthy notice periods, alleged “run‑around” experiences, and problems editing existing policies without cancelling and restarting. Several reviewers describe customer service as unhelpful in some cases. These mixed reports suggest that while many customers have a smooth self‑service experience online, issues can arise when users require assistance or non‑standard handling.
Documentation checklist
- Policy number and policyholder name
- Account login email and any account ID
- Preferred cancellation date (last full day of coverage)
- Payment details (last 4 digits of card or bank account on file; PAD authorization copy if applicable)
- Photo ID or proof of identity (if requested by support)
- Registered mail tracking/receipt if you send a written cancellation
Common mistakes
Expecting a full refund without checking Duuo’s prorated policy is common - many customers mistakenly think a 14‑day cooling-off right applies. Another frequent error is cancelling a PAD at the bank but not cancelling the policy with Duuo; the policy can remain active and outstanding balances might still be due. Selecting the wrong "last full day" can result in an extra month of coverage and fees. Finally, relying solely on phone contact when Duuo’s primary cancellation path is the online dashboard can cause delays; if you need proof, use written confirmation or registered mail.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (dashboard) | Prorated refund to original payment method; typically appears within 3 - 10 business days | Low - self-serve and immediate confirmation |
| Recurring payments / PAD | Refunds over C$1 issued to original method; 10 days' notice required to stop withdrawals; policy remains until settled | Medium - requires coordination with bank and Duuo |
| Registered mail (written notice) | Prorated refund; provides proof of delivery which helps disputes | Medium - slower but provides legal proof |
| Phone | Varies; some users report phone cancellation is not accepted or leads to delays | High - reported difficulty and inconsistent outcomes |
After cancelling
After cancellation, save or download your policy documents, confirmation emails and any refund receipts. If you do not see a prorated refund within the expected timeframe, contact Duuo support via the Help Center and check with your bank. Useful reference pages: Duuo Help Center, Duuo FAQ, and Duuo Payment Agreement. If you need to dispute a PAD withdrawal, contact your financial institution promptly (PAD disputes commonly must be raised within the bank’s prescribed window).
Address
Duuo, Suite 1400, 1 York Street, Toronto, Ontario M5J 0B6, Canada