Cancellation National General Insurance: Step-by-Step

What is National General Insurance

National General Insurance is a U.S.-based insurance company that underwrites various personal lines products such as auto insurance. Public information and customer reports indicate the company operates primarily in the United States; there is no clear evidence of standardized policy offerings or published pricing for Canada under the National General name.

How to cancel National General Insurance

• Call National General at 1-888-293-5108 or visit a local agent to request cancellation; the company does not support cancellation via mobile app stores or online self-service. When you call or visit, provide your policy number, effective cancellation date, and the reason for cancellation. Ask for written confirmation of cancellation, details of any cancellation fee, and the expected refund amount and timing. (Source: WalletHub.)
• If you plan to send paperwork by mail, note the company address listed on its contact page and that the site states the address “does not receive mail”; consider sending registered mail and confirm receipt by phone. If you prefer, keep documentation by email or get an agent reference number during your call.

What happens when you cancel

When a cancellation is processed, your coverage ends as of the cancellation effective date you provided or the date agreed with the insurer. The policy will not renew after cancellation; if the cancellation is mid-term, the insurer typically calculates the unused premium to determine any refund due. The insurer may retain records of your policy and cancellation for regulatory and administrative purposes; request confirmation that your account is closed and keep a copy for your records.

Will I get a refund?

National General generally provides a prorated refund for unused premium when a policy is cancelled mid-term, but the refund is calculated after deducting any applicable cancellation fee. Terms indicate a cancellation fee may apply for early termination, though the specific fee amount is not publicly disclosed. There is no explicit indication in National General’s publicly available terms of a Canada-specific statutory 14-day cooling-off period that guarantees a refund. Refund timing is not guaranteed in published materials; consumers report delays and problems with returned or blocked payments, so request written confirmation and monitor for the refund for 2 - 4 weeks. (Sources: WalletHub, National General terms, Insurify.)

National General Insurance plans and pricing

Your consumer rights in Canada

There is no clear, company-published 14-day cooling-off right for Canadian customers of National General. Consumers should expect that cancellation fees may apply and that refunds are calculated as prorated unused premium less any fee. Canadian consumers have the right to request written confirmation of cancellation and should follow up if a refund is not received within a reasonable timeframe (commonly suggested 2 - 4 weeks). If you encounter delays, missing refunds, unexpected charges, or service problems, you may escalate the matter to your provincial insurance regulator or consumer protection office and keep detailed records of all communications and financial transactions.

Customer experiences

Customer feedback is mixed. A minority of customers report lower premiums compared with prior insurers. However, many complaints focus on claim handling - examples include low settlement offers, delays deciding repair vs. total loss, and perceived insufficient payouts. Customers also report difficulty contacting the company, long hold times, automated system issues, and billing or refund problems such as unexpected drafts, cancelled policies that keep charging, returned or blocked refund payments, and unclear fees. These reports suggest you should document every step when cancelling and confirm refunds in writing. (See customer reviews: Trustpilot (positive examples), Trustpilot (complaints).)

Documentation checklist

• Policy number and policyholder full name
• Desired cancellation effective date
• Photo ID or other identity verification used by the insurer
• Reason for cancellation and any supporting documentation (e.g., new insurer declaration)
• Bank account or payment details for receiving a refund (if required)
• Request for written cancellation confirmation and refund estimate (retain agent/representative name and reference number)
• Copies of any mailed proof (registered mail receipt) or screenshots of online/phone confirmation

Common mistakes

Consumers commonly assume they can cancel online or via app stores and only discover later that those channels are unsupported. Not obtaining written confirmation of cancellation is another frequent error; without written proof, it is harder to dispute post-cancellation charges. Failing to ask explicitly about cancellation fees can lead to surprise deductions from the refund. Closing or changing bank accounts before the refund is received may block payment. Finally, not following up within 2 - 4 weeks when a refund is delayed reduces the chance of a timely resolution.

Comparative recap

After cancelling

After your cancellation is processed, keep the written confirmation and monitor your bank or card statements until the refund appears. If the refund does not arrive within 2 - 4 weeks, call back, reference the original cancellation confirmation, and escalate to a supervisor if necessary. If you encounter unresolved billing or refund problems, gather all documentation and consider filing a complaint with your provincial insurance regulator or consumer protection agency. Helpful reference links: National General terms page (National General terms), WalletHub guide on cancelling (WalletHub), and an overview of cancellation timing and issues (Insurify).

Address

National General - listed address: 450 W Hanes Mill Rd Suite 101, Winston‑Salem, NC 27105. Note: the company’s contact page indicates that this address “does not receive mail”; call before sending physical documents and consider registered mail only after confirming an appropriate mailing address. For quickest results, call 1-888-293-5108 or visit a local agent.