Service de résiliation N°1 en United Kingdom
Madame, Monsieur,
Je vous notifie par la présente ma décision de mettre fin au contrat relatif au service Esure.
Cette notification constitue une volonté ferme, claire et non équivoque de résilier le contrat, à effet à la première échéance possible ou conformément au délai contractuel applicable.
Je vous prie de prendre toute mesure utile pour :
– cesser toute facturation à compter de la date effective de résiliation ;
– me confirmer par écrit la bonne prise en compte de la présente demande ;
– et, le cas échéant, me transmettre le décompte final ou la confirmation de solde.
La présente résiliation vous est adressée par e-courrier certifié. L’envoi, l’horodatage et l’intégrité du contenu sont établis, ce qui en fait un écrit probant répondant aux exigences de la preuve électronique. Vous disposez donc de tous les éléments nécessaires pour procéder au traitement régulier de cette résiliation, conformément aux principes applicables en matière de notification écrite et de liberté contractuelle.
Conformément aux règles relatives à la protection des données personnelles, je vous demande également :
– de supprimer l’ensemble de mes données non nécessaires à vos obligations légales ou comptables ;
– de clôturer tout espace personnel associé ;
– et de me confirmer l’effacement effectif des données selon les droits applicables en matière de protection de la vie privée.
Je conserve une copie intégrale de cette notification ainsi que la preuve d’envoi.
Cancellation Esure: Easy Method
What is Esure
Overview
Esure is an insurance provider headquartered in the United Kingdom that offers motor and household insurance products through online, telephone and app channels. While Esure’s operations and published policy terms are UK‑centric, customers in other countries seeking to cancel policies should be aware that local consumer protection rules (for example, in Canada) may affect cancellation rights and refunds.
How to cancel Esure
- Call Esure customer support first to notify them of your intention to cancel; if you have a UK contact number on policy documents you can use that as a starting point (for example, UK enquiries have used 0345 045 1000). Note that phone hours may apply and wait times can be long - ask for a reference number or the name of the agent.
- If you prefer or if the insurer requires written notice, send a signed cancellation letter quoting your policy number and reason for cancellation, and request confirmation of receipt and any refund calculation. If sending by post, use recorded delivery for proof of dispatch.
- If applicable, cancel any optional extras (for example breakdown cover) separately if your insurer treats them as add‑ons.
- Keep copies of all communications, confirmation emails, reference numbers and any bank transaction evidence related to premium payments or refunds.
What happens when you cancel
When you cancel an Esure policy the insurer will stop providing cover from the cancellation date you agree (or, if required, from the date they process the cancellation). If the policy was set to auto‑renew, cancellation stops future renewals and any related scheduled payments. Your personal details and transaction records will remain on file in accordance with the insurer’s data retention and privacy policy, subject to applicable data protection law; you can request details on how long records are kept and how to obtain a copy.
Will I get a refund?
Refund entitlement depends on timing and whether a claim has been made. A statutory or contractual cooling‑off period (commonly 14 days in many jurisdictions) typically allows for a pro‑rated refund reduced to account for the time on cover and a cancellation fee. If the policy is cancelled before the policy start date, a full premium refund may be possible. If a claim has been made during the policy period, most insurers will refuse any refund and the full annual premium may remain payable. Optional extras are often refundable only within the cooling‑off period and only if no claim has been made on those extras.
Esure plans and pricing
| Plan | Price (CAD) |
|---|---|
| Comprehensive | Varies |
| Third Party, Fire & Theft | Varies |
| Third Party Only | Varies |
| Optional extras (breakdown, legal) | Varies |
Your consumer rights in Canada
Canadian consumers are protected by federal and provincial insurance and consumer protection laws that generally provide clear disclosure obligations and the right to fair treatment when cancelling insurance. While Esure’s published policy practices reflect a UK model (including a 14‑day cooling‑off period), Canadian policyholders should rely on applicable provincial regulations and the Financial Consumer Agency of Canada (FCAC) guidance for cancellation and refunds. If an insurer fails to disclose cancellation terms or refuses a lawful refund, consumers can complain to their provincial insurance regulator and to consumer protection bodies.
Customer experiences
Users report mixed experiences: many praise Esure’s online quoting and purchase process for being straightforward and fast, with an easy online flow or app setup. Conversely, a number of customers have reported difficulties with claims handling, long wait times, transfers between departments, unclear cancellation processes, delayed refunds, and frustration reaching the correct team. Expect to document communications and be persistent if follow up is needed.
Documentation checklist
- Policy number and full policy documents (electronic or paper)
- Proof of identity (driver’s licence or government ID) if requested
- Payment details used for the policy (card or bank details) and proof of payment
- Dates: policy start date, renewal date and intended cancellation date
- Details of any claims made during the policy period
- Written cancellation request (if sending by post, send by recorded delivery and keep receipt)
Common mistakes
Customers often make avoidable errors such as cancelling without noting the exact policy number or start date, failing to obtain written confirmation of the cancellation, or assuming a refund will be automatic. Another common issue is not checking whether optional extras were cancelled separately; these can sometimes be treated independently and may not be refunded outside cooling‑off. Finally, relying solely on verbal confirmation from a call without a reference number or follow‑up written confirmation can make disputes harder to resolve.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Cancel within cooling‑off period (typically 14 days) | Pro‑rated refund minus time on cover and possible cancellation fee | Low to Medium (requires proof of date and may incur fee) |
| Cancel after cooling‑off period | Usually no refund except possible pro‑rata in some contracts; optional extras often non‑refundable | Medium to High (depends on policy terms and insurer responsiveness) |
| Cancel before policy start date | Full refund commonly available if no cover has commenced | Low (process is straightforward if documented) |
| Cancel after a claim has been made | Generally no refund; full premium may be retained | High (claims typically negate refund entitlement) |
After cancelling
After you cancel, obtain written confirmation showing the cancellation date, any refund amount and any remaining obligations. Keep all documentation until you have received any due refund and your records are reconciled. If you encounter unresolved issues, contact Esure’s customer service in writing and escalate to a supervisor, then to your provincial insurance regulator or a consumer protection agency if required. When writing, send by recorded delivery for proof of dispatch.
Helpful links: Esure official site: www.esure.com; Financial Consumer Agency of Canada guidance: FCAC; for provincial regulator contacts see a list such as the Insurance Councils or Superintendent pages available through provincial government sites.
Address
esure, The Observatory, Reigate, Surrey, RH2 0SG, United Kingdom