Cancellation service N°1 in United States
Contract number:
To the attention of:
Cancellation Department – State Auto
State Auto Insurance Companies, PO Box 776721
60677-6721 Chicago
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the State Auto 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,
16/01/2026
Cancellation State Auto: Easy Method
What is State Auto
State Auto Insurance Companies is a U.S.-based insurance group that underwrites a range of personal and commercial insurance products, primarily for customers in the United States. It operates through agents and independent brokers and is known for property and casualty coverages.
There is limited public evidence that State Auto offers automobile insurance products in Canada for 2024/2025. If you believe you hold a State Auto policy in Canada or a cross-border arrangement, confirm the policyholder, issuing entity and governing jurisdiction before proceeding with any cancellation steps.
How to cancel State Auto
- Confirm your policy details: policy number, insured name, effective and renewal dates, and the issuing entity. If the policy was sold through a broker or agent, contact them first to discuss cancellation options and next steps.
- Request a written cancellation instruction from your agent or the insurer explaining the process, any fees and the effective cancellation date.
- Prepare a signed written cancellation notice that includes your policy number, desired cancellation date (end of day), reason for cancellation and a request for written confirmation and refund calculation.
- Send the signed notice by certified mail (recommended - raccomandata A/R) to the insurer’s billing/mail address; include a copy to your agent if applicable. Use the insurer mailing address: State Auto Insurance Companies, PO Box 776721, Chicago, IL 60677-6721.
- Keep proof of mailing and delivery (tracking or receipt). Follow up with the agent or insurer if you do not receive written confirmation within 7 - 14 business days.
- If you do not receive confirmation or encounter disputes about refund or effective date, escalate to the insurer’s formal complaints process and, if required, to your provincial insurance regulator.
What happens when you cancel
Cancellation ends your coverage as of the effective cancellation date. Any claims occurring after that date will not be covered. If you cancel mid-term, the insurer will calculate earned premium to the cancellation date and may apply cancellation fees according to your policy terms.
Cancelling a policy can affect future renewals or your insurance record if insurers record cancellations or lapse information with industry databases. You should obtain written confirmation that the policy is cancelled and check any registries or driving-record implications in your province.
Will I get a refund?
Refunds are determined by the policy terms and applicable rules. Typically a refund for unused premium is calculated on a prorated or short-rate basis: prorated refunds return unused premium proportional to remaining days, while short-rate cancellations may include an additional fee. Outstanding premiums, unpaid endorsements, or claim adjustments can reduce or eliminate the refund.
Because there is no clear public evidence that State Auto markets Canadian auto policies for 2024/2025, refund procedures may depend on which legal entity issued the policy and the jurisdiction. Ask for a written refund calculation and timeline when you submit your cancellation request.
State Auto plans and pricing
| Product | Coverage | Pricing (CAD) |
|---|---|---|
| Auto insurance | Liability, Collision, Comprehensive, Optional coverages | Varies |
| Homeowners / Property | Dwelling, Contents, Liability | Varies |
| Commercial lines | Business liability, Property, Fleet | Varies |
| Other specialty lines | Varies by product and jurisdiction | Varies |
Your consumer rights in Canada
Your rights when cancelling an insurance policy in Canada are primarily governed by provincial insurance statutes and consumer protection rules. Generally you have the right to a written explanation of cancellation terms, a clear refund calculation, and timely processing of refunds subject to the policy and provincial rules.
If you have a complaint, you can file it with the insurer’s complaints department and, if unresolved, escalate to your provincial insurance regulator (often titled Superintendent, Financial Services Commission, or similar). You also have privacy rights over your personal information under federal and provincial privacy laws such as PIPEDA and provincial equivalents.
Customer experiences
Available feedback about State Auto primarily reflects U.S. customers. Common themes include timely refunds when cancellations are processed through an agent and delays when customers rely only on phone requests without written confirmation. For Canadian contexts there is limited public feedback; where policies cross borders, customers report additional steps to verify jurisdiction and refund handling.
Documentation checklist
- Policy number and insured name exactly as on the policy.
- Signed written cancellation request stating the desired cancellation date and requesting written confirmation and refund details.
- Proof of mailing/delivery (certified mail receipt or tracking number).
- Agent or broker contact information and any written communications received from them.
- New insurance details if replacing coverage (binder or policy declaration page) to avoid gaps.
- Payment receipts and any evidence of outstanding premiums or endorsements.
Common mistakes
One common mistake is relying solely on a phone call; verbal requests can be hard to prove if the insurer disputes the cancellation date. Another is failing to obtain written confirmation of the cancellation and refund amount, which can delay resolution. Some customers assume cancellation is immediate upon sending notice; processing times vary and the effective date should be confirmed in writing.
Other examples include cancelling without ensuring replacement coverage (which can create uninsured gaps affecting registration or liability in Canada) and not keeping proof of posting/delivery for the written notice.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Certified mail (recommended) | Prorated (typical) - written proof helps ensure correct calculation | Low |
| Phone call to insurer or agent | Varies - often requires follow-up written confirmation | Low - Medium |
| Agent-assisted cancellation | Prorated/Varies - agent can speed processing | Low |
| Online/account portal | Varies by platform - check for a confirmation document | Low - Medium |
After cancelling
After your policy is cancelled, keep all written confirmation and refund documentation. Verify that any refund has been issued and that your driving and claims records reflect the correct policy dates. If you need to file a complaint, follow the insurer’s formal complaint process first, then contact your provincial regulator if unresolved.
Useful resources: Insurance Bureau of Canada, Office of the Privacy Commissioner of Canada, and general consumer information on insurance at the Government of Canada: Financial Consumer Agency of Canada - Insurance.
Address
State Auto Insurance Companies, PO Box 776721, Chicago, IL 60677-6721