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Cancel STATE FARM
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Cancellation service #1 in Canada
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the State Farm 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 period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation State Farm: Easy Method
What is State Farm
State Farm was an insurance brand that operated in Canada until its Canadian business was sold to Desjardins in 2015. Policies previously written under the State Farm brand are now underwritten and administered by Desjardins/Certas, and many former State Farm agents now work as captive agents for Desjardins.
If you still see State Farm branding on your documents, your policy is being managed under that legacy relationship; you can often contact your former State Farm agent (now with Desjardins) for service including cancellation. For background and market summaries see lowestrates.ca.
How to cancel State Farm
- Contact your former State Farm agent (now with Desjardins/Certas) or call customer service (for example 1-800-782-8332). Provide a written cancellation request that includes your policy number, the desired cancellation date, and a forwarding address or bank details for any refund.
- If required, include proof of replacement coverage (to avoid gaps or fines) and any requested ID. Ask the agent or representative to confirm the effective cancellation date in writing.
- Keep copies of all communications and, for strongest proof of receipt, send written cancellation by registered mail and retain the receipt or tracking number.
What happens when you cancel
When a policy is cancelled the insurer will close cover under the effective cancellation date you provided or the date confirmed by your agent. You will no longer have access to benefits and claims under that policy after the cancellation is effective, and any automatic renewals should stop - confirm this in writing. Records of the policy and the cancellation are retained by the insurer; you may request confirmation or a cancellation letter for your files.
If you cancel without replacement coverage, you may be uninsured for the period after the cancellation date; in some provinces that can affect driving records or regulatory requirements. If you have outstanding claims or payments, the insurer will advise whether any amounts remain payable after cancellation.
Will I get a refund?
Refunds for unused, prepaid premium are normally prorated and issued to the original payment method. Industry practice and consumer reports indicate refunds are typically processed within roughly 10 - 14 business days after the refund is approved, but times can vary and delays are commonly reported. Insurers generally do not charge a cancellation penalty for voluntary cancellations of standard property or auto policies, but specific terms can differ by product and policy wording.
Certain products (for example many life, health and travel policies) include a mandatory "free look" or cooling-off period - often 10 - 30 days - during which you can cancel for a full refund if no claim has been made. This is a legal consumer protection in Canada for many policy types; check your policy for exact terms. If you experience unusually long delays, lost or undelivered checks, or billing errors after cancellation, escalate to the insurer and consider contacting your provincial regulator.
State Farm plans and pricing
| Product | Typical Coverage | Typical Price (CAD) |
|---|---|---|
| Auto insurance | Liability, collision, comprehensive, optional add-ons | Varies |
| Home insurance | Dwelling, contents, liability, endorsements | Varies |
| Life & health products | Term life, whole life, health riders | Varies |
| Travel insurance | Emergency medical, trip cancellation/interruption | Varies |
| Commercial/Business | Business property, liability, commercial auto | Varies |
Your consumer rights in Canada
Canadian consumers benefit from provincial insurance rules and product-specific protections. Many life, health and travel policies include a statutory free-look period (commonly 10 - 30 days) that allows full cancellation for a full refund if no claims have been made - this is not a company-specific courtesy but a legal protection; see a summary at redhelm.ca.
Provincial regulations generally require insurers to allow cancellation and to provide a prorated refund of any unused premium when appropriate; insurers must also disclose notice requirements and cancellation procedures. There is no single national statutory deadline for processing refunds, but industry practice targets refunds in about 10 - 14 business days. If refunds are delayed, you can escalate to the insurer’s complaints process and, if unresolved, to your provincial insurance regulator - see consumer guidance such as aeva.ca for general info.
Customer experiences
Experiences are mixed. Some policyholders report positive interactions with local agents who are helpful, knowledgeable and efficient, and appreciate agent support for bundling and initial savings; see examples at hellosafe.ca. Other customers report significant problems: slow claims processing, billing errors, unexplained premium increases, delays in cancellation and refunds, and poor communication. Public reviews for the legacy State Farm Canada experience show low ratings on several platforms and repeated consumer complaints about delays and administrative errors - examples include Trustpilot and community reports on Reddit.
Documentation checklist
- Policy number and full name of the insured.
- Written cancellation request with the desired effective cancellation date.
- Proof of new insurance coverage if applicable (binder or certificate).
- Copy of government ID and contact information (phone, email, mailing address).
- Original payment details or bank account for refund deposit, if requested.
- Agent name and contact information, plus copies/screenshots of any prior communications.
- Registered mail receipt or tracking number if you send physical notice; keep all copies.
Common mistakes
Not providing written notice or failing to include the policy number is a frequent cause of delay: oral requests are harder to track and may not stop automatic payments. Another common error is cancelling without confirming the effective cancellation date in writing - this can leave you unexpectedly uninsured or still billed. Sending a cancellation by ordinary mail without tracking or proof of delivery can create disputes about whether notice was received. Finally, failing to monitor bank statements after cancellation or not confirming the refund method can lead to surprise collections or unprocessed refunds.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Contact former agent (preferred) | Prorated refund; typically processed within 10 - 14 business days | Low |
| Call central customer service | Prorated refund; timelines vary, confirm details | Medium |
| Written notice by registered mail | Prorated refund; strongest proof of receipt if dispute arises | Low - Medium |
| Online/account cancellation (if available) | Prorated refund; depends on online system processing | Low - Medium |
| Cancel within product 'free look' period | Full refund if no claims and term applies | Low |
After cancelling
After cancellation, obtain written confirmation of the effective cancellation date and any refund details. Monitor your bank and credit card statements for the refund and to confirm no further charges are made. If a refund is delayed or you receive incorrect bills after cancellation, contact your agent and the insurer’s complaints department promptly and escalate to the provincial regulator if not resolved.
For resources and further reading: company transition details at lowestrates.ca, consumer summaries at hellosafe.ca, and free-look information at redhelm.ca. Keep all records and consider sending important correspondence by registered mail to maintain proof of receipt.
Address
For registered or escalation correspondence you may use corporate headquarters (U.S. mailing address listed below); if you are in Canada, start with your agent or Desjardins/Certas contact, then escalate to provincial regulators as needed. For proof of receipt, send critical letters by registered mail and keep tracking/receipt.
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710