Cancellation service N°1 in United States
Contract number:
To the attention of:
Cancellation Department – Fred Loya Insurance
P.O. Box 972450
79997 El Paso
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Fred Loya 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,
18/01/2026
Cancellation Fred Loya Insurance: Easy Method
What is Fred Loya Insurance
Fred Loya Insurance is a U.S.-based insurance provider known primarily for offering auto insurance products through retail branches. The company markets coverage to drivers who may have difficulty getting insurance elsewhere, with in-person service at local offices rather than fully digital account management.
How to cancel Fred Loya Insurance
- Cancellation must be requested in writing and executed in person at any local Fred Loya branch; online or remote cancellations via the website or mobile app are not accepted (source).
- At the branch, present photo ID, your policy number, and sign the written cancellation request. Ask for a dated receipt or confirmation.
- If you cannot visit a branch, you may send a signed written cancellation request by mail to the corporate address (certified/registered mail is recommended) and follow up by phone; however, Fred Loya’s published guidance requires in-person execution.
- Keep copies of all documents and note the name of the agent who accepted your request.
What happens when you cancel
When your cancellation is processed, your coverage will end effective on the date specified in the written request or the date the company accepts the cancellation per your policy terms. You will lose access to any policy benefits, claims handling for incidents after the cancellation effective date, and any endorsements or SR-22 filings tied to that policy. If you later need new coverage, you will typically need to apply for a new policy and meet underwriting terms current at that time.
Fred Loya maintains records of policies and transactions; cancelling does not erase prior claim history or underwriting records. If you require proof of prior coverage or confirmation of cancellation for another insurer or regulator, request written confirmation when you cancel and retain the branch receipt.
Will I get a refund?
Fred Loya does not publish a formal, public refund policy or a statutory free‑look period on its Help Center or Terms of Service. There is no explicit online disclosure of automatic refunds or how they are calculated. Reports from customers indicate that if a refund is due after an in‑person cancellation, Fred Loya may issue a refund check by mail and that processing has taken up to about two weeks in some reports. Direct deposit options are not widely reported.
Because official guidance is limited, ask the branch representative at cancellation how refunds (if any) are calculated, when you should expect payment, and the method of payment. Get the expected refund amount and timing in writing on the cancellation receipt.
Fred Loya Insurance plans and pricing
| Plan | Coverage | Price (CAD) |
|---|---|---|
| Auto Insurance (primary offering) | Liability, optional coverages, SR-22 filing where available | Varies |
| Other regional products | Variable by location and underwriting company | Varies |
Your consumer rights in Canada
Insurance in Canada is regulated at the provincial level, and consumer rights (including any cooling-off or cancellation periods) depend on provincial law and the terms of the policy. Fred Loya Insurance does not operate in Canada and does not publish Canadian-specific consumer rights or a 14‑day statutory cancellation/refund provision. As a Canadian consumer, you should consult your province’s insurance regulator or the Insurance Bureau of Canada for guidance on cancellation rights, complaint procedures, and statutory protections that may apply when dealing with cross-border issues or U.S. insurance firms.
If you have a dispute or are unable to obtain a timely refund or confirmation of cancellation, document all communications, keep originals and copies of signed forms, and consider contacting your provincial regulator or seeking legal advice. High complaint volumes reported for the company in other jurisdictions suggest extra care documenting the process and following up in writing.
Customer experiences
Public reviews and industry summaries show a mix of experiences. Some customers appreciate that Fred Loya may offer coverage options for drivers with poor records, provide SR-22 filings, and operate convenient retail locations for in‑person service. Other sources report significant dissatisfaction: elevated complaint indexes compared with industry averages, poor scores from independent evaluators, limited digital tools and online account management, long waits for claim resolution, alleged low settlement offers, lack of communication, and the need for legal escalation in some cases. These mixed signals mean prospective customers should weigh accessibility against reported service and claims handling concerns.
Documentation checklist
- Policy number and printed policy declarations page
- Government-issued photo ID (driver’s license or passport)
- Signed written cancellation request (you will sign this at the branch)
- Proof of new insurance if required to avoid a lapse
- Payment receipts or proof of recent payments (to support refund calculations)
- Any SR-22 or filing confirmation you need transferred or maintained
Common mistakes
Assuming you can cancel online or through the mobile app is a frequent error; Fred Loya’s stated process requires an in‑person written request. Another common mistake is failing to get a dated written cancellation receipt - without it, you may have difficulty proving the cancellation effective date or a promised refund. Sending a mailed cancellation without following up or without using certified/registered mail can delay processing or leave you without proof of delivery. Finally, not asking how refunds are calculated or when they will be issued can lead to surprise delays or disputes; always get the expected refund amount and payment method in writing.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| In‑person branch visit | Possible - refund check by mail reported; confirm at branch | Low (required method) |
| Certified/registered mail to corporate address | Possible if accepted - slower and may require follow-up | Medium (acceptance may vary; recommended proof of delivery) |
| Website or mobile app | Not supported - no online cancellation route per company guidance | Not applicable / Not permitted |
After cancelling
After you cancel, keep the cancellation receipt and any written confirmation. Monitor your mail for any refund check and allow a reasonable processing window (customer reports mention about two weeks in some cases). If you do not receive confirmation or a refund within the timeframe you were given, follow up with the branch that processed the cancellation and escalate in writing to the corporate contact.
For further information and to review Fred Loya’s published guidance, see the company FAQ: Fred Loya - How to cancel my policy. For Canadian consumers seeking general insurance guidance and regulator contacts, see the Insurance Bureau of Canada: Insurance Bureau of Canada. If you encounter unresolved disputes, contact your provincial insurance regulator for complaint procedures or consider legal advice.
Address
P.O. Box 972450
El Paso, TX 79997
United States
Note: If you must send written cancellation by mail, sending by certified/registered mail (proof of delivery) is advisable. The company’s public guidance emphasizes in‑person written requests at local branches as the standard cancellation method.