Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Assurant 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.
Cancel Assurant: Easy Method
What is Assurant
Overview
Assurant is a global company that provides insurance, extended warranties, device protection and related services through partners, retailers and online channels.
The company operates in multiple markets with varying local terms; direct Nigeria-specific terms were not located in public materials.
Services covered
Typical services include appliance and device protection, extended warranties and claims handling for repairs or replacements.
Availability and exact product names can vary by country and retail partner; some products listed for Nigeria are sold via international retailers.
How to cancel Assurant
Step-by-step cancellation (general)
- Locate your policy number, purchase receipt, or account details before you start.
- Check any documentation or emails for cancellation instructions or time limits.
- Contact the channel you used to buy the product (retailer, website, app store) first - many cancellations are handled there.
Contact and escalation options
- If no local contact exists, submit a written request to the postal address: Assurant PO Box 195167 San Juan, PR 00919.
- Keep copies of all communications. If you do not get a response, you can escalate to Nigerian regulators or pursue dispute resolution under local law.
What happens when you cancel
Service access and coverage
Cancellation typically ends future cover and may stop ongoing services such as scheduled repairs or replacements.
If a claim is already in progress, Assurant may finish handling that claim depending on the product terms.
Renewal and billing
Auto-renewal should stop after cancellation, but you must confirm a stop to future billing with the seller or Assurant representative.
Any paid-but-unused future periods may be eligible for refund depending on terms and local law.
Data and records
Assurant may retain records of your policy, claims, and communications for regulatory and business purposes.
Request written confirmation of cancellation and any data retention or deletion policies when you cancel.
Will I get a refund?
Assurant's general position
No Nigeria-specific refund policy was found publicly. Global terms state refunds can be issued to the original payment method but allow Assurant to retain payments unless law requires otherwise.
For some markets (e.g., India) limited short-period cancellations and refunds exist, but those rules do not automatically apply in Nigeria.
Exceptions and local law (Nigeria)
- Under Nigeria's Federal Competition and Consumer Protection Act 2018 (FCCPA), blanket "no refund" policies are generally invalid.
- Consumers can cancel advance bookings or orders with only reasonable cancellation charges (Section 120) and can demand full refunds for defective or misrepresented goods (Section 122).
- If a refund is refused, you can escalate to the FCCPC, the Competition and Consumer Protection Tribunal, or seek judicial remedies.
Assurant plans and pricing
Available plans
| Plan | Price (USD / approx NGN) | Period | Features |
|---|---|---|---|
| 5‑Year Appliance Protection Plan (Assurant via Ubuy Nigeria) | USD 125 - 149.99 (≈ NGN 140,760) | One‑time | Extended warranty on appliances; mechanical/electrical failure coverage |
| Assuriot Asset Management App (not Assurant) | USD 79.99/year | Annual | Asset management app for unlimited devices (third‑party product) |
Pricing notes
No exact EUR pricing or Nigeria‑specific fee schedules were publicly listed for Assurant products; only USD listings were found.
Prices shown can vary by retailer, exchange rates and local taxes; confirm the final cost with the seller before purchase.
Your consumer rights in Nigeria
Key protections under FCCPA 2018
- Consumers may cancel advance bookings or orders and are entitled to refunds subject only to reasonable cancellation charges (Section 120).
- Sellers must refund defective, unsafe, unsuitable or misrepresented goods in full (Section 122).
- "No refund" clauses that attempt to override statutory rights are generally unenforceable.
Enforcement and remedies
You can report a business to the Federal Competition and Consumer Protection Commission (FCCPC) and seek redress from the Competition and Consumer Protection Tribunal.
Remedies may include refunds, damages, fines against the business, and other court-ordered relief depending on the case.
Customer experiences
Positive feedback
Some customers praise Assurant for quick phone repairs, professional staff and convenient scheduling on Trustpilot.
These reports indicate smooth experiences for device repairs and straightforward service in some cases.
Common complaints
Negative reviews and forum posts report confusing claim processes, poor communication and claim denials for travel or device insurance.
Users also describe delays, requests for extensive documentation, underpayments and difficulty reaching adjusters in some cases.
Documentation checklist
Essential documents
- Policy number or certificate and purchase receipt.
- Proof of payment and the original card/account used for purchase.
- Valid government ID and contact details for the policyholder.
Optional supporting documents
- Photos of the item, serial numbers, and evidence of defect or incident.
- All correspondence with the seller or Assurant (emails, chat transcripts).
- Bank details for refund and any claim reference numbers.
Common mistakes
Missing or incorrect policy details
Many cancellations are delayed because customers cannot supply their policy number or proof of purchase.
Always locate and include policy identifiers when you contact support or send a written request.
Assuming "no refund" clauses are valid
Consumers sometimes accept a seller's blanket "no refund" notice without invoking FCCPA protections.
Under Nigerian law you may still be entitled to a refund or remedy for defective or misrepresented goods.
Poor record‑keeping
Not keeping copies of claims, emails and delivery receipts reduces your leverage in disputes.
Use registered mail or email with delivery receipts and keep screenshots or printed records of all interactions.
Comparative recap
Quick comparison table
| Aspect | Assurant (publicly available for Nigeria) | Local legal position (Nigeria) |
|---|---|---|
| Cancellation policy | No Nigeria‑specific policy located; global terms allow retention unless law requires otherwise. | FCCPA generally allows cancellation of advance orders with reasonable charges; "no refund" clauses often invalid. |
| Refunds | Global terms allow refunds to original payment method but provide no Nigeria‑specific guarantees. | Full refunds required for defective or misrepresented goods; enforcement via FCCPC/Tribunal. |
| Pricing visibility | Some USD prices found (e.g., 5‑Year Appliance Plan); no comprehensive Nigeria price list publicly found. | Prices must be clear and transparent; consumers entitled to clear information about fees and cancellations. |
| Customer experience | Mixed reviews: some quick repairs and professional service; some claim delays and communication problems. | Consumers can complain to FCCPC and seek remedies if service or claims handling is unfair or misleading. |
Takeaway
Assurant operates with varied local terms; in Nigeria, statutory consumer protections may provide stronger rights than some global terms suggest.
Confirm terms at point of sale and keep full records to protect your rights.
After cancelling
Immediate steps
- Obtain written confirmation of cancellation and any refund schedule from the seller or Assurant.
- Monitor your bank/card for any refunded amounts and keep all receipts and communications.
If you need help or to escalate
- If a refund or cancellation is refused, consider reporting to the Federal Competition and Consumer Protection Commission (FCCPC).
- For legal interpretation, you may seek advice from a consumer rights lawyer or contact consumer advocacy groups in Nigeria.
For general Assurant terms see their published terms: Assurant Terms of Use.
For discussion of "no refund" policies under Nigerian law see an explanatory article: No‑refund policy in Nigeria (article).
Address
Mailing address
Assurant PO Box 195167 San Juan, PR 00919
Notes on using this address
This is a Puerto Rico postal address and not in Nigeria; using it may cause delays. Send registered mail and keep tracking details.
If you prefer, start with the retailer or online channel where you purchased the product and request their assistance before using the postal address.
FAQ
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.