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Cancel CARROT INSURANCE
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Cancellation service #1 in India
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Carrot Insurance 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- guarantee the validity of an incorrect or outdated address.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 Carrot Insurance: Easy Method
What is Carrot Insurance
Overview
Carrot Insurance is a UK-based car insurance provider that offers online, flexible, subscription-style motor cover managed through their website and apps.
Their terms, cancellation rules and refund mechanics are written for UK policies and do not automatically grant Indian statutory rights.
Availability
As of 2024/2025, Carrot Insurance does not appear to operate in India and does not publish INR-based pricing for the Indian market.
Indian customers should treat Carrot as a UK insurer and check local regulatory options before relying on its UK terms.
How to cancel Carrot Insurance
Online cancellation steps
- Visit Carrot's cancellation help page and complete their online cancellation form.
- Submit the form as directed on the help page; the form initiates the request with Carrot. Carrot cancellation help
Options and timing
- To stop auto-renewal, opt out any time before the policy end date; the policy remains active until the year end unless you request immediate cancellation. Auto-renewal help
- You can request cancellation even with an open claim; refunds may be withheld until the claim is closed. Open claim guidance
What happens when you cancel
Policy access and cover
Once your cancellation request is processed, cover will stop either immediately (if requested) or at the policy end date depending on your instruction.
If you stop auto-renewal without immediate cancellation, the policy remains active until year-end.
Data, telematics and records
Carrot uses telematics data where applicable; cancellation does not necessarily erase driving records held by the insurer.
If you have ongoing claims or investigations, data may be retained until closure for claims handling and audit purposes.
Will I get a refund?
Refund within the early period
If you cancel within the first 50 days of the policy, refund is calculated based on the number of unused days. This is Carrot's stated approach. Refund details
Short-term cancellations in the initial 50 days produce pro-rata returns for unused days, subject to terms.
Refund after 50 days and exceptions
- After day 50, refunds are based on the lesser of remaining days or remaining mileage.
- No refund is given if cancellation is caused by exceeding the agreed mileage allowance.
- If you cancel while a claim is open, refunds are typically withheld until the claim is resolved; being found at fault can eliminate refunds and may create additional charges.
Carrot Insurance plans and pricing
Pricing availability
Carrot Insurance does not publish India-specific plans or INR pricing as of 2024/2025.
For current UK pricing or plan details, consult Carrot's official site directly.
Contact for pricing
If you need commercial or local-pricing information, contact Carrot via their official channels; otherwise assume no India-specific plans are publicly available.
| Plan | Period | Price / Note |
|---|---|---|
| Carrot Insurance (general) | Contact for pricing | Contact for pricing - no INR plans published as of 2024/2025 |
Your consumer rights in India
IRDAI and free-look
Indian insurance buyers rely on IRDAI regulations such as the statutory 'free-look' period (commonly 15 days) and other consumer protections for locally issued policies.
Carrot’s UK terms do not automatically provide these IRDAI-mandated rights in India.
Dispute and complaint routes
- If you hold an Indian policy, you can complain to the insurer, escalate to IRDAI, or approach district/state Consumer Disputes Redressal Commissions under the Consumer Protection Act.
- For cross-border or foreign-policy issues, local legal remedies may be limited; seek local legal or regulatory advice before relying on UK-specific terms.
Customer experiences
Positive feedback
Many reviewers praise Carrot's customer service for being patient, professional and clear, highlighting a smooth, supportive process in several cases. Trustpilot reviews
Some review platforms rate customer service positively and note reliable telematics devices and easy communication. reviews.io insights
Negative feedback
Other reviewers report difficulties cancelling, refund disputes, and rapid or aggressive policy cancellations for minor driving events.
Complaints also describe stress from perceived inflexibility and slow responsiveness on claims. reviews.io reviews
Documentation checklist
Essential documents to prepare
- Policy number and policyholder name.
- Form of ID used when you purchased the policy (photocopy or digital upload as requested).
- Proof of vehicle details (registration, mileage record if applicable).
Additional documents for claims or disputes
- Claim reference numbers and correspondence related to any open claims.
- Evidence of communications with Carrot (emails, screenshots of chat) to support refund or complaint requests.
Common mistakes
Assuming Indian statutory rights apply
Many users assume Carrot's UK cancellation terms include Indian regulatory protections such as a 15-day free-look; this is not guaranteed.
Always confirm which jurisdiction the contract is governed by before cancelling or filing complaints.
Not documenting communications
Failing to keep copies of cancellation requests, confirmation emails, or claim correspondence can make refunds and disputes harder to resolve.
Keep records of form submissions and any reference numbers provided by Carrot.
Comparative recap
Key feature comparison
| Feature | Carrot Insurance (UK terms) | Typical Indian motor insurer (local rules) |
|---|---|---|
| Cancellation method | Online cancellation form via help centre | Varies; usually insurer website, email, call centre or branch |
| Early refund rule | Within 50 days: refund by unused days; after 50 days: lesser of remaining days or mileage | IRDAI-guided pro-rata or specific terms; 15-day free-look for Indian policies |
| Open claim handling | Can cancel with open claim; refund held until closure; fault may remove refund | Claims usually handled per policy and IRDAI norms; refunds and settlement follow local rules |
| Availability in India | No India-specific plans published as of 2024/2025 | Multiple licensed insurers with IRDAI oversight |
After cancelling
What to check immediately
- Obtain and save confirmation of cancellation and any reference numbers provided by Carrot.
- Check whether a refund is due and the expected timing based on Carrot's rules.
Helpful links and escalation
- Carrot cancellation help: https://www.carrotinsurance.com/help/what-if-i-want-to-cancel-my-policy/
- Refund details and rules: https://www.carrotinsurance.com/help/cancelling-your-policy/
- Auto-renewal guidance: https://www.carrotinsurance.com/help/do-i-have-to-cancel-my-policy-if-i-dont-want-to-renew/
- Cancelling with an open claim: https://www.carrotinsurance.com/help/can-i-cancel-with-an-open-claim/
- Indian consumer remedy example: Times of India - consumer commission example
Address
Carrot Insurance office (postal)
98 Liverpool Road, Formby, Liverpool, Merseyside, L37 6BS, United Kingdom.
Use this address only where Carrot’s official materials instruct postal correspondence; online cancellation is the primary route.
Local advice
If you are in India and need assistance, consult a local consumer rights advisor or the IRDAI for guidance on complaint routes and statutory protections.
Keep records of all communications and consider escalation to consumer commissions if you cannot resolve a dispute with the insurer.