Device Insurance

Why cancel Device Insurance
Device insurance can provide peace of mind, but circumstances change. You might replace a handset, move to a comprehensive bank or network bundle, or find that premiums no longer represent value for money. For many UK consumers, cancelling redundant or poorly performing cover is a practical way to reduce recurring costs and simplify household bills without sacrificing protection where it matters most.

Common reasons for cancellation

Upgrade or replacement of device

When you upgrade to a new phone or receive a replacement under warranty, the original policy often becomes redundant. Insurers and retailers - for example Currys Care Plan or Currys Whatever Happens - may not automatically transfer cover to the new device, prompting cancellation and re-evaluation of needs.

Overlapping or duplicate cover

It’s common to discover overlapping protection: manufacturer cover such as AppleCare, third-party finance protection like Raylo, and network or retailer policies such as Vodafone Insurance can overlap. Consumers frequently cancel one policy to avoid paying twice for similar benefits.

Claims experience and excess changes

Poor claims handling or rising excess charges drive cancellations. If claim acceptance rates are low or the excess is disproportionate to potential repair costs, switching away from a plan often makes financial sense.

Your UK consumer rights

UK consumers have statutory protections when cancelling: the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 usually provide a 14‑day cooling-off period for distance sales, and the Consumer Rights Act covers fairness of terms and the quality of services. Insurance products also fall under Financial Conduct Authority oversight, and unresolved disputes can be escalated to the Financial Ombudsman Service. Keep policy documents, receipts and evidence of registration dates - these are routinely required when exercising cancellation or dispute rights.

How Postclic helps

Postclic simplifies cancellation for device insurance with a targeted, evidence-led approach. We offer 16 tailored cancellation letters covering leading schemes including Currys Care Plan, AppleCare, Apple Care, Vodafone Insurance, Raylo and Currys Whatever Happens. Our letters are written to align with provider terms and UK regulations.

• Tracked delivery: every letter option includes tracked postage and delivery proof to support your case.
• Clear documentation: ready-to-send templates reduce time-to-cancel and minimise disputes.
• Proven reliability: our service carries a 4.6/5 rating from users for accuracy and ease.

Using an evidence-backed cancellation letter increases the likelihood of a timely response and creates a verifiable paper trail - useful if escalation is required. Empower yourself to stop paying for cover you no longer need.