Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the 1Cover 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 1Cover: Easy Method
What is 1Cover
Overview
1Cover is a New Zealand travel insurer that offers single-trip and multi-trip plans covering medical expenses, cancellations, baggage and related travel risks.
How 1Cover operates in NZ
Policies are issued online and administered by 1Cover NZ. Terms, refunds and cancellations are set out in the product wording and FAQs on the 1Cover website.
How to cancel 1Cover
Cancel during the 14‑day cooling‑off period
- Use the web cancellation option on 1Cover's site to cancel within 14 days of policy issue.
- You must not have commenced your journey and you must not have made (or intend to make) a claim.
- See the refund FAQ: 1Cover refund FAQ.
Cancel after the cooling‑off period
- Cancel online if you haven’t started your trip; refund is the unused premium less an administration fee (up to NZ$25).
- If your trip has already started, cancellation does not usually entitle you to any refund.
- If needed, contact 1Cover customer service or follow policy wording: policy wording.
What happens when you cancel
Coverage and access
Once you cancel before your trip starts and a refund is processed, your policy is no longer active and you lose cover for that trip.
Renewal and records
Cancelling a single-trip policy does not affect future quotes or renewals; you can purchase a new policy later.
1Cover retains records in line with its privacy and regulatory obligations; request copies if needed via customer service.
Will I get a refund?
Cooling‑off refunds (first 14 days)
Yes. If you cancel within 14 days of issuance, have not started the journey and have not made or intend to make a claim, you are entitled to a full refund.
Refunds after 14 days and exceptions
- After 14 days you may receive a refund of the unused premium minus an administration fee (up to NZ$25), provided travel has not commenced and no claim exists or is intended.
- No refund is available once travel has commenced, even if you cancel later or cut your trip short.
- The insurer may cancel a policy for breach, fraud or misrepresentation and may refund unused premium subject to an administration charge.
1Cover plans and pricing
Price examples
Prices vary by age, destination, trip length and plan type. Below are example quotes (for illustration only).
Pricing table
| Plan | Price (NZ$) | Period | Features |
|---|---|---|---|
| Comprehensive (2 adults, week to Thailand) | 178.83 | Single trip (approx. 7 days) | Comprehensive cover including medical, cancellation, baggage, etc. |
| Medical Only (2 adults, week to Thailand) | 133.00 | Single trip (approx. 7 days) | Medical only cover |
| Comprehensive (2 adults, week to UK) | 161.13 | Single trip (approx. 7 days) | Comprehensive cover |
| Medical Only (2 adults, week to UK) | 118.18 | Single trip (approx. 7 days) | Medical only cover |
| Comprehensive (2 adults, week to Japan) | 180.69 | Single trip (approx. 7 days) | Comprehensive cover |
| Medical Only (2 adults, week to Japan) | 138.32 | Single trip (approx. 7 days) | Medical only cover |
| Basics (single adult <59, 7-day, Australia/Sth Pacific) | 41.00 | Single trip (7 days) | Basic plan |
| Essentials (single adult <59, 7-day, UK/Europe) | 65.00 | Single trip (7 days) | Essentials plan |
| Essentials (single adult <59, 21-day, USA) | 119.00 | Single trip (21 days) | Essentials plan |
Your consumer rights in New Zealand
Cooling‑off and fair dealing
Under NZ consumer law, a 14‑day cooling‑off right permits cancellation and a full refund where conditions are met.
Fees, disclosure and dispute options
- Administration fees (up to NZ$25) on post‑cooling refunds must be reasonable and disclosed up front.
- If contract terms or conduct are misleading or unfair, you may complain to the Insurance & Financial Services Ombudsman or raise concerns with the Commerce Commission.
- No‑refund‑once‑travel‑commenced clauses are common and usually enforceable if clearly disclosed.
Customer experiences
Positive feedback
Many reviewers praise 1Cover NZ for responsive live chat, friendly staff and an easy online portal.
Independent comparisons report high scores for claims handling, value and service with some customers noting fast payouts.
Negative feedback and patterns
Some customers (notably on the Australian brand pages) describe delays and difficulty obtaining refunds or clear communication.
Reports include long email exchanges and disputed claim outcomes; these suggest escalating unresolved complaints to an external dispute body when necessary.
Documentation checklist
Before you cancel
- Policy number and purchase date.
- Proof that the journey has not commenced (travel dates, bookings).
- Any correspondence with 1Cover about cancellation or claims.
If you are seeking a refund
- Bank account details or payment receipt for refund processing.
- Evidence that no claim has been made or is intended.
- Copy of the policy wording and refund/FAQ pages (save links or screenshots).
Common mistakes
Assuming you can get a refund after travel starts
A frequent error is expecting a pro‑rata refund after the trip has begun. Policy terms state no refund is payable once travel has commenced.
Not keeping cancellation evidence
Failing to save confirmation emails, screenshots or the policy wording can make disputes harder to resolve.
Also check whether administration fees were disclosed at purchase to avoid surprises.
Comparative recap
Key policy points at a glance
The table below summarises the main practical points to compare quickly when deciding about cancelling or claiming.
Comparison table
| Aspect | 1Cover (NZ) - summary |
|---|---|
| Cooling‑off refund | Full refund within 14 days if trip not started and no claim made. |
| Refund after 14 days | Unused premium minus admin fee (up to NZ$25) if trip not started. |
| Refund once travel started | No refund once travel has commenced. |
| Administration fee | Up to NZ$25 on post‑cooling refunds; must be disclosed. |
| Customer reviews | Generally positive for NZ support and claims; some reports of delays or poor communication. |
| Price examples | Varied - example quotes range from NZ$41 (basic short trip) to ~NZ$181 (comprehensive short trip). |
After cancelling
Next steps
Check for a confirmation email and any refund timeline provided by 1Cover.
Allow a reasonable processing period; contact customer support if the refund is delayed.
Helpful links and escalation
- 1Cover - Get a refund FAQ
- 1Cover - Policy wording
- If you cannot resolve an issue, consider the Insurance & Financial Services Ombudsman or the Commerce Commission for further guidance.
Address
Mailing address
Box 106‑154 Commerce Street, Auckland 1143, New Zealand
Corporate office (alternative)
Level 16 & 20, ASB Bank Centre (corporate office address noted as an alternative contact location).
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.