Cancellation service N°1 in Italy
Contract number:
To the attention of:
Cancellation Department – Liberty Mutual
Via Fabio Filzi 29
20124 Milano
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Liberty Mutual 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 Liberty Mutual: Easy Method
What is Liberty Mutual
Liberty Mutual is a global insurance company offering personal and commercial insurance products such as auto, home and specialty coverage. Liberty Mutual Canada operates under the broader Liberty Mutual group and provides policies, claims services and customer support tailored to Canadian regulations and markets.
How to cancel Liberty Mutual
Cancellation of a Liberty Mutual Canada policy must be completed by phone or written notice; the mobile app manages existing policies but does not support cancellation. Typical processing requires a signed request and a short notice period. Sources indicate app-based cancellation is not supported and that phone or written notice is required for cancellation and confirmation.
- Call Liberty Mutual Canada: 1-800-461-5079 and request policy cancellation; confirm the policy number and desired cancellation date.
- Email or send a signed written cancellation request to InfoCanada@libertymutual.com (include your full name, policy number, desired cancellation date and preferred refund method).
- Request written confirmation of the cancellation and the effective cancellation date; ask when any refund will be issued and to which payment method.
- If you prefer postal notice, send a signed cancellation letter (see documentation checklist) and use tracked/registered delivery for proof of receipt.
- Allow for a standard notice period (commonly 14 - 30 days) for processing; confirm the exact effective date with Liberty Mutual.
What happens when you cancel
When your cancellation is processed, coverage ends on the effective cancellation date specified by Liberty Mutual. After that date, new claims for incidents occurring while the policy is no longer in force will not be covered. Your account may remain accessible for historical documents and proof of prior insurance, but automatic renewal will stop. Liberty Mutual should send a written confirmation showing the cancellation date, any outstanding balance or refund, and instructions if you need proof of prior coverage for future insurers.
Will I get a refund?
Approved refunds are typically calculated on a pro‑rata basis for the unused portion of the policy; some jurisdictions or specific circumstances can involve short‑rate penalties or different rules, and full refunds are only issued in limited cases. In Canada, refunds that are approved are generally processed to the original payment method and may take approximately 10 - 14 business days to complete, though timing can vary by bank and account specifics. Always confirm the expected refund method and timeframe with Liberty Mutual when you cancel.
Liberty Mutual plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Essential (35-45 standard driver, intermediate vehicle) | C$92.00 | Monthly | Standard liability with basic coverage |
| Standard (35-45 standard driver, intermediate vehicle) | C$104.00 | Monthly | Enhanced liability limits with standard add-ons |
| Comprehensive (35-45 standard driver, intermediate vehicle) | C$119.00 | Monthly | Full comprehensive coverage including collision |
| Essential (18-24 young driver, compact car) | C$139.00 | Monthly | Basic coverage for higher‑risk young driver |
| Standard (18-24 young driver, compact car) | C$155.00 | Monthly | Standard coverage with added liability and options |
| Comprehensive (18-24 young driver, compact car) | C$185.00 | Monthly | Full comprehensive coverage for young driver |
These sample monthly premiums are illustrative and were drawn from a Canadian review source; actual rates vary by location, driving history, vehicle, discounts and other factors.
Your consumer rights in Canada
If you are dissatisfied with Liberty Mutual Canada’s response to a complaint, follow the company’s dispute resolution steps: contact your broker or adjuster first, then file a written complaint to the Complaints Officer (LMCComplaints@LibertyMutual.com). If the issue remains unresolved, you may request a third‑party review through the General Insurance OmbudService (GIO). Quebec residents can also refer matters to the Autorité des marchés financiers (AMF). Keep written records of all communications and timelines for escalation.
Customer experiences
Customer feedback for Liberty Mutual in Canada is mixed. Some policyholders report positive experiences with helpful representatives, straightforward quoting and smooth onboarding, and praise for friendly agents and competitive rates. Other customers report issues including slow or unsatisfactory claims handling, disputes over payouts, unexpected premium increases, billing errors and difficulties contacting customer service or completing cancellations. Reviews vary by location and individual circumstances.
Documentation checklist
- Policy number and full name of the policyholder.
- Signed cancellation request or letter stating the desired cancellation date.
- Copy of government ID for verification (driver’s licence or passport).
- Original payment details or bank information for refund processing (or request refund to original payment method).
- Proof of replacement insurance if required by registry or lender.
- Copies of prior correspondence with Liberty Mutual (emails, letters, notes from phone calls).
- If sending by post, use tracked/registered delivery (recommended: registered mail with acknowledgment of receipt) and keep proof of posting.
Common mistakes
Common errors include assuming you can cancel through the mobile app (the app does not support cancellation), failing to submit a signed written request when required, or not receiving and retaining written confirmation of the effective cancellation date. Other mistakes are cancelling very close to a renewal date without checking whether the renewal has already been processed, not specifying the refund method, and not keeping copies of sent documents - these can delay refunds or lead to unexpected charges.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Phone | Pro‑rata (typ. 10 - 14 business days) | Moderate (possible hold times) |
| Email / Written request | Pro‑rata (typ. 10 - 14 business days) | Low - Moderate (requires signed request and tracking) |
| Mobile app | Not supported for cancellation | Not possible (app manages policies but does not cancel) |
After cancelling
After cancellation, confirm you have received written confirmation and an itemized final statement showing any refund or outstanding balance. Monitor your bank account for the refund and allow additional time for your financial institution to post it. Request and keep proof of cancellation for future insurance applications. If problems arise, use the company’s complaints process or seek third‑party review. For company contact pages and further guidance, consult Liberty Mutual Canada’s customer pages and independent resources when researching timelines and reviews.
Address
Liberty Specialty Markets Europe S.a.r.l. - Succursale italiana, Via Fabio Filzi 29, 20124 Milano, Italia
This address may be used for formal complaints and communications; sending documents by registered mail with acknowledgment of receipt (A/R) is recommended for traceability.
References and useful links: Liberty Mutual Canada complaints & dispute resolution, HelloSafe Liberty Mutual Canada summary, Insurify: cancellation overview, Refund policy summary, Trustpilot Canada reviews, General Insurance OmbudService (GIO), Autorité des marchés financiers (AMF).