Cancel LIBERTY MUTUAL online
Cancellation service #1 in Nigeria
4.9Calculated on 5.6K reviews
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Liberty Mutual 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 Liberty Mutual: Easy Method
What is Liberty Mutual
Overview
Liberty Mutual is a large international insurance company originally based in the United States that sells auto, home and other personal lines insurance through regional operations and partners.
In some markets the Liberty Mutual brand is represented by local companies that operate under different legal names and local terms and conditions.
In Nigeria
In Nigeria the local entity is Liberty Assured Ltd trading as Liberty. It publishes local Terms & Conditions and consumer procedures on its website.
Public materials for Nigeria do not show consumer-facing pricing and do not mention subscription cancellation processes via app stores or web storefronts.
How to cancel Liberty Mutual
Phone cancellation (primary method)
- Call customer service - Liberty Mutual (USA) requires cancellation by phone; online cancellation via app or website is generally not supported.
- When you call, have your policy number, ID and payment details ready and ask for a cancellation reference number.
Nigeria (Liberty Assured) guidance
- Liberty Assured Ltd's Terms & Conditions do not specify App Store vs Google Play cancellation differences publicly.
- Ask the agent about local refund rules, short-rate penalties and exact processing time for over-deductions or reversals.
- Request written confirmation (email or letter) showing the cancellation date and any refund or outstanding balance.
What happens when you cancel
Policy access and coverage
Coverage ends on the cancellation date agreed with the insurer or as stated on the confirmation you receive.
Renewal stops automatically after cancellation; check whether any scheduled payments are halted or must be manually stopped.
Data and records
Liberty Assured's Terms & Conditions describe data privacy rights and retention; your records may be retained for regulatory and business purposes.
You may request access, correction, deletion or portability of your personal data under the local privacy provisions listed in the T&C.
Will I get a refund?
Refunds in the United States (general)
Liberty Mutual in the USA typically issues prorated refunds for unused policy periods, but rules vary by state.
Some states and situations allow a full refund within an initial window (for example, within 30 days); always ask the agent for the applicable rule.
Refunds and reversals in Nigeria
- Liberty Assured processes verified over-deduction claims within 3 working days for Nigeria; reversals/refunds are returned only to the source account.
- No public statutory 14-day cooling-off period is specified in the local Terms & Conditions; rely on the T&C and request timelines in writing.
- Ask about short-rate penalties or administrative fees that may reduce the refund amount.
Liberty Mutual plans and pricing
Availability
No public Liberty Mutual consumer pricing for Nigeria in EUR or other currencies is available from Liberty Mutual sources.
Local Liberty-branded entities typically publish product details in Naira where applicable; for Nigeria the public data on pricing is limited.
Pricing table
| Product / Plan | Price (2024/2025) |
|---|---|
| Auto, Home, Personal Lines (general) | Varies |
Your consumer rights in Nigeria
Data privacy and control
Under Liberty Assured Ltd's Terms & Conditions customers can request withdrawal of consent, correction, deletion, access, restriction, objection and data portability.
Submit data requests to the contact details in the T&C; the company should respond within the stated timelines.
Refund and processing rights
- Over-deduction claims are processed within 3 working days according to the T&C for Nigeria.
- Other general requests should be processed within one month unless the terms specify a shorter period.
- There is no explicit mention of a statutory 14-day cooling-off refund in the local T&C; check consumer protection laws for additional rights.
Customer experiences
Positive feedback
Some international reviews praise friendly, helpful staff, clear explanations and easy sign-up experiences, including efficient bundling of policies.
These positive reports are noted on platforms such as Trustpilot for broader Liberty Mutual operations.
Common complaints
Aggregated negative feedback includes mishandled claims, long delays, billing errors after cancellation and inconsistent customer support.
Complaints on Sitejabber and Reddit mention denied claims, unexpected fees, billing after cancellation and slow refunds or poor communication.
Documentation checklist
Required documents
- Policy number and full policy documents or declarations page.
- Valid government-issued ID for the policyholder.
- Proof of payment (bank statement, receipt) for recent premium payments.
Helpful extras
- Bank account details for the source account (for refunds) and proof of account ownership.
- Written authorisation if a third party is cancelling on your behalf.
- Copies of prior communications, emails or cancellation requests and any previous cancellation confirmations.
Common mistakes
Not asking about fees and penalties
Many customers do not ask whether a short-rate penalty or administrative fee applies, and later receive a smaller-than-expected refund.
Always ask explicitly about pro-rated refunds, short-rate penalties and whether any fees will be deducted from the refund amount.
Not getting written confirmation
Relying on verbal confirmation can cause disputes if billing continues or the company records a different cancellation date.
Obtain a written cancellation confirmation with the effective date, refund amount (if any) and a reference number.
Comparative recap
At-a-glance comparison
This table summarizes key differences between Liberty Mutual (USA general practice) and Liberty Assured Ltd in Nigeria based on publicly available T&C and reviews.
Use it as a quick reference for cancellation method, refund expectations and timing.
Key differences
| Aspect | Liberty Mutual (USA - general) | Liberty Assured Ltd (Nigeria) |
|---|---|---|
| Cancellation method | By phone to customer service; online cancellation often unsupported | No explicit app-store/web cancellation process stated; contact local office or customer service |
| Refund policy | Typically prorated; possible full refund within initial window depending on state | Over-deductions refunded; refunds returned to source account only; no explicit cooling-off stated |
| Processing time | Refunds usually 7 - 10 business days after processing (varies by state) | Over-deduction reversals processed within 3 working days; other requests up to one month |
| Common issues | Inconsistent customer service, billing errors and delays reported | Limited public pricing, require confirmation of local refund and cancellation processes |
After cancelling
What to monitor
- Watch your bank or card account for the refund and keep the cancellation confirmation until the refund clears.
- Check that no further premiums are taken and retain all communications and reference numbers.
Where to get help
If you need to review local terms, see the Liberty Assured Ltd Terms & Conditions: Liberty Nigeria Terms & Conditions.
For general cancellation details and US practices see: Insurify - Cancel Liberty Mutual and ReturnPolicy - Liberty Mutual refunds.
Address
Head Office
Liberty Assured Ltd (trading as Liberty) - HQ27 Alara Street, Onike, Lagos, Nigeria.
There is no separate cancellation-specific address published in the local Terms & Conditions; use customer service channels for cancellation.
Contact tips
When visiting or calling, have your policy number and ID ready, request a written confirmation of cancellation and note the name and reference number of the representative.
Save copies of all emails and receipts, and follow up promptly if a promised refund or reversal is not received within the stated timeframe.
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.