Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Td 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.
Cancel Td Insurance: Easy Method
What is Td Insurance
Overview
Td Insurance is primarily known as TD Insurance in Canada, offering auto, home and other personal insurance products through TD Bank Group channels.
For customers in Nigeria there is a TD Africa presence with local offices; policies sold by TD Insurance Canada are governed by their terms and by the regulator in the jurisdiction where the policy was issued.
Scope and relevance in Nigeria
If you hold a TD-branded policy or have dealings with TD Africa in Nigeria, local office staff can assist with administrative issues and referrals to the insurer.
Policy terms, cancellation rules and refunds are determined by the issuing insurer and the policy document; if the policy was issued in Canada, Canadian terms apply even if you live in Nigeria.
How to cancel Td Insurance
Primary cancellation steps
- Call TD Insurance customer support for cancellations: 1-877-585-9427 (this is the primary number listed by TD Insurance in available sources). Source
- Provide your policy number, personal identification, and the effective cancellation date you want.
- Ask the representative to confirm any fees, pro-rated refunds, and whether the policy will be noted as cancelled for insurance-history purposes.
Alternative routes and documentation
- Some third-party guides list an alternate phone number 1-877-777-7136 or suggest mailing a cancellation request; these are not official TD Insurance confirmations but may be reported by users. Third-party reference
- If you prefer written record, prepare a signed cancellation letter including policy number, cancellation date and contact details, then send via certified mail or email if an address is provided by your insurer.
What happens when you cancel
Access and coverage end
Coverage ends on the cancellation date confirmed by the insurer; after that date you are no longer insured under that policy for new incidents.
Make sure to confirm the exact time and date coverage terminates to avoid gaps or unintended lapse periods.
Renewal and records
Automatic renewals will stop after cancellation; keep confirmation of cancellation to prevent billing or renewal errors.
Insurers may record the cancellation on your insurance history; ask for written confirmation to protect against incorrect entries.
Will I get a refund?
General refund policy
Verified sources indicate TD Insurance (Canada) does not provide an automatic 14-day statutory "free-look" refund; there is no clear evidence of such a window. Terms source
Refunds or return of premium are determined by the policy terms and by the insurer’s discretion.
Exceptions and practical points
- Pro-rated refunds may be available depending on the policy wording and the timing of cancellation.
- If you have an outstanding claim, refunds may be withheld or adjusted.
- Customers report mixed experiences obtaining refunds; expect the insurer to review fees, claims and endorsements before issuing any return of premium. User reviews
Td Insurance plans and pricing
Plan overview
Public, region-specific plan names and exact pricing for TD Insurance policies applicable in Nigeria are not available in the verified dataset.
Pricing depends on product type, coverage level, driving record, property details and jurisdiction where the policy was issued.
Representative table
| Plan | Price | Notes |
|---|---|---|
| Auto insurance | Varies | Depends on driving record, vehicle and jurisdiction |
| Home insurance | Varies | Depends on property value, location and coverages |
| Other personal lines | Varies | Product-specific underwriting applies |
Your consumer rights in Nigeria
Regulatory bodies
Insurance in Nigeria is regulated by the National Insurance Commission (NAICOM); consumers can lodge complaints with NAICOM about insurer conduct.
General consumer protections are overseen by the Federal Competition and Consumer Protection Commission (FCCPC), which can accept complaints about unfair commercial practices.
Practical rights and steps
- You have the right to a clear policy document, to be informed of cancellation terms, and to receive written confirmation of cancellation and any refund calculation.
- If an insurer fails to resolve a dispute, escalate to NAICOM and to FCCPC with documentation of your complaint and insurer responses.
Customer experiences
Positive reports
Some customers report prompt and easy service in specific cases, and some employees describe good workplace culture at TD Insurance. Trustpilot Glassdoor
These positive cases appear to be less common compared with negative feedback in public reviews.
Negative reports
- Frequent complaints include long wait times, perceived rude customer service, and difficulty obtaining refunds. Reviews
- Customers also report unexpected premium increases, unexplained fees, delayed or withheld claim payments, and issues with usage-based apps causing surcharges. Community reports
Documentation checklist
Essential documents
- Policy number and full policy document
- Valid ID (passport, national ID) and proof of address
- Proof of payment or receipts showing premiums paid
Optional supporting items
- Written cancellation request or signed letter specifying cancellation date
- Correspondence with the insurer (emails, call reference numbers)
- Claim-related documents if a refund is affected by a pending or paid claim
Common mistakes
Failing to get written confirmation
Customers sometimes cancel by phone and do not obtain written confirmation; this can lead to disputes about whether cancellation occurred and when coverage ended.
Always request an email or letter confirming the cancellation and any refund calculation.
Not checking refund and fee terms
Assuming an automatic refund or a 14-day "free-look" period is a common error; verified information shows no clear statutory 14-day refund for TD Insurance Canada policies.
Check the policy wording for pro-rated refund rules and possible cancellation fees before you cancel.
Comparative recap
Quick comparison
| Feature | Td Insurance (verified data) | What to expect in Nigeria |
|---|---|---|
| Cancellation method | Phone (1-877-585-9427); alternate numbers and mail reported by third parties | Contact local TD Africa office for guidance and use insurer-provided contact for formal cancellation |
| Refund policy | No clear 14-day statutory refund; refunds at insurer discretion and subject to policy terms | Expect pro-rated refunds only if stated in the policy; confirm with insurer and reserve documentation |
| Consumer recourse | Escalate internally, or external bodies in issuing jurisdiction (Canada) such as OmbudService | Escalate to NAICOM and FCCPC in Nigeria if local issues remain unresolved |
After cancelling
Immediate steps
Obtain written confirmation of the cancellation, a final statement showing any refund or outstanding balance, and save all correspondence.
Arrange replacement insurance if you still need coverage to avoid a lapse that could affect future premiums.
Useful links and contacts
- TD Insurance - terms and contact (verified source)
- Third-party guide referencing cancellation methods
- User reviews on Trustpilot
- National Insurance Commission (NAICOM) - Nigeria
- Federal Competition and Consumer Protection Commission (FCCPC) - Nigeria
Address
TD Africa - Nigeria office
20, Port Harcourt Crescent, Off Gimbiya Street, Area 11, Garki, Abuja
Use the local office for in-person enquiries and to get guidance on how to formalise a cancellation with the issuing insurer.
Similar cancellation services
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.