Cancel Momentum: Easy Method

What is Momentum

Overview

Momentum refers here mainly to Momentum Life, a provider of funeral and life insurance in New Zealand, and to other Momentum-branded products or apps sold internationally.

The information below focuses on how to cancel Momentum Life insurance in NZ and how refunds and returns are handled for related products.

Products covered

Momentum Life provides funeral and life insurance policies with a specific cancellation and refund approach described in their FAQ.

Separately, Momentum-branded retail products or apps follow different return and platform policies (retail return rules, App Store/Play Store rules).

How to cancel Momentum

By phone

• Call Momentum Life on 0800 108 108 to request cancellation.
• Confirm the date you want the policy to end and that you understand the 30-day notice requirement.

In writing

• Send a written cancellation notice to the postal address: PO Box 90136, Victoria St West, Auckland 1142.
• Provide your full name, policy number (if available), contact details and the date you wish the cancellation to take effect. Written notices should allow for the 30 days' notice period.

What happens when you cancel

Coverage and access

When cancellation takes effect, your insurance cover ends on the date specified in the cancellation or at the end of the 30-day notice period.

Make sure cover is in force until a replacement policy is active if you need continuous cover.

Renewals and data

Regular premium payments will stop after cancellation takes effect unless you have another arrangement in writing.

Momentum will retain records as required by law; ask them how they handle your personal data if you need deletion or a copy.

Will I get a refund?

Insurance (funeral/life) refund policy

• Within the first 30 days from the First Premium Payment Date (cooling-off period), you can cancel and receive a full refund of premiums paid provided no claim has been made.
• If you cancel after the first 30 days, no refund of premiums is available.

Retail/product refund exceptions

• Separate from insurance, Momentum™ international retail returns policy allows unused products to be returned within 14 days after receipt for a full refund minus a 5% commission and shipping costs.
• Custom or personalised retail items are usually not refundable under that retail policy.

Momentum plans and pricing

Pricing notes

Prices for Momentum apps and services are shown in USD on the New Zealand App Store and are converted to NZD at the App Store's exchange rate at purchase.

No explicit NZD prices are guaranteed here; users will see the final NZD charge at checkout in the store they use.

Plans table

Your consumer rights in New Zealand

Cooling-off and insurance law

New Zealand consumer protections often include cooling-off rights for certain services; many insurance products provide a cooling-off period.

Momentum Life’s 30-day cooling-off period for funeral insurance exceeds the common minimum and allows a full refund if no claim has been made.

App store and platform purchases

App Store and Google Play purchases follow platform refund processes, not the insurer's policy.

Platform refunds are typically managed via the store: Apple and Google have their own timeframes and processes for in-app purchase refunds.

Customer experiences

What customers report

There are no verified public review excerpts in the supplied data for Momentum Life here.

Based on the policies, customers commonly appreciate clear cooling-off windows but may be disappointed if they expect refunds after the 30-day period.

What to watch for

Expect clear deadlines: claims made during a cooling-off period can affect refunds, and platform purchases must be handled through the app store or Play Store.

If you need confirmation, request written acknowledgement of your cancellation and any refund eligibility when you contact Momentum.

Documentation checklist

What to prepare

• Full name, policy number and contact details (phone and email).
• First Premium Payment Date (to confirm cooling-off eligibility).
• Statement of cancellation date requested and reason (if required).
• Proof that no claim has been made if seeking a refund within the first 30 days.
• Copy of any correspondence and a record of the call (date, time, name of staff spoken to).

How to send

• If by post, send to: PO Box 90136, Victoria St West, Auckland 1142 and keep tracked proof of posting.
• If by phone, note the time and staff member, and follow up in writing if you need confirmation.

Common mistakes

Timing errors

Assuming you can get a refund after the first 30 days is a frequent mistake; Momentum Life’s policy states no refund after that period.

Also, counting the cooling-off from the policy issue date rather than the First Premium Payment Date can cause confusion; confirm the exact start date with Momentum.

Method errors

Trying to cancel an insurance policy via the app store for an insurance refund is incorrect - insurance cancellations must be done with Momentum directly.

Sending a cancellation to the wrong address or failing to give 30 days' written notice can delay or invalidate the requested end date.

Comparative recap

Quick comparison

Notes on differences

Insurance cancellations and retail returns follow different rules and channels; follow the correct process for each to avoid delays.

Platform (App Store/Play Store) purchases are handled by the platform, not by Momentum Life, for refunds and cancellations.

After cancelling

What to keep

Keep written confirmation of cancellation and any refund entitlement, and retain records of payments and correspondence.

If you plan to replace cover, arrange the new policy before your Momentum policy ends to avoid gaps.

Helpful links

• New Zealand Consumer Protection - general consumer rights and guidance.
• Apple: Request a refund - App Store refund help (NZ).
• Google Play: Request a refund - Google Play help.

Address

Postal address for written cancellations

PO Box 90136, Victoria St West, Auckland 1142.

Send your written cancellation with the required details and keep proof of posting or delivery.

Phone contact

Call Momentum Life on 0800 108 108 to cancel or to ask questions about timing and refunds.

When you call, request a confirmation reference and follow up in writing if you need formal proof of cancellation.