Cancel Combined Insurance: Easy Method

What is Combined Insurance

Overview

Combined Insurance in New Zealand operates as a division of Chubb Insurance NZ and offers personal insurance products under the Combined brand.

The public website provides customer service contact details but does not publish detailed product cancellation procedures or explicit refund rules.

Relationship with Chubb

Combined Insurance NZ is administered through Chubb Insurance NZ, so many administrative and complaints processes follow Chubb's local procedures.

Policyholders should treat Combined as part of the Chubb group for escalation and dispute resolution steps.

How to cancel Combined Insurance

Prepare before you contact them

Find your policy number, the start date, and any payment details to hand before contacting the insurer.

Note any appointed broker or intermediary who originally sold the policy, as they can often manage cancellations for you.

Step-by-step cancellation

• Locate your policy documents and note the policy number and insured name.
• Contact Combined/Chubb customer service using the contact details on their website or your policy document.
• Send a written cancellation request (email or post) that includes policy number, your name, effective cancellation date, and signature.
• Use the postal address for formal correspondence if required: Private Bag COMBINED, Remuera, Auckland 1541, New Zealand.
• Request written confirmation of cancellation and any statement of account or refund status.
• If you do not receive confirmation, follow up and keep copies of all communications.

What happens when you cancel

Cover and claims

Cancellation generally ends future cover from the nominated cancellation date, meaning new events after that date are not covered.

Existing claims lodged before the cancellation date are typically assessed according to your policy terms; check your policy wording for specifics.

Renewal, payments and data

Premium payments should stop after the effective cancellation date, but you should obtain a final statement confirming no further amounts are due.

Your insurer will retain records as required by law; request confirmation of what personal data they will keep and for how long.

Will I get a refund?

Published policy status

No explicit refund policy or cooling-off period was published on Combined Insurance NZ's public site at the time of review.

There is no clear statement confirming a 14-day cooling-off, nor a blanket 'no refunds' rule available publicly.

Practical steps and exceptions

• Ask for a written explanation of refund eligibility when you submit your cancellation request.
• Possible exceptions (examples): pro rata refund for unused premium, refunds after early termination, or no refund for certain short-term products - confirm with the insurer.
• If you believe you are entitled to a refund and the insurer refuses, escalate via the insurer's complaints process and consider IFSO if unresolved.

Combined Insurance plans and pricing

Example plan

Notes on pricing

Exact pricing for other Combined/Chubb products in New Zealand is not publicly listed on the Combined site.

For precise quotes, contact Chubb directly or work with a licensed insurance broker.

Your consumer rights in New Zealand

General protections

As a policyholder in New Zealand you are protected under local insurance consumer laws and the Fair Insurance Code.

These protections include access to an internal disputes process and standards for customer service and claims handling.

Dispute escalation

• Use the insurer's internal complaints procedure first - contact details are on their website or your policy documents.
• If unresolved, you may escalate to the Insurance & Financial Services Ombudsman Scheme (IFSO) for independent resolution.
• Keep all correspondence, dates and copies of documents to support any complaint or Ombudsman referral.

Customer experiences

New Zealand-specific feedback

No verified user review set specific to Combined Insurance New Zealand was identified in public review platforms at the time of review.

Trustpilot NZ results appear to relate to the US Combined Insurance business, not New Zealand.

International comments and cautions

Online posts (likely about Combined in other countries) described slow claims handling and poor communication in some cases; these reports are not verified for NZ.

Use general caution: check product terms carefully and document communications if you anticipate a complex claim or cancellation.

Documentation checklist

Required documents

• Policy number and copy of your policy schedule or certificate.
• Proof of identity (e.g., NZ driver's licence or passport).
• Bank account details for any refund.
• Signed written cancellation request or broker instruction.

Supporting documents

• Correspondence history (emails, letters, call logs) showing prior contact.
• Sale documents or advice notes if you bought through a broker or adviser.
• Any claim documents if cancellation relates to a claim or dispute.

Common mistakes

Not getting written confirmation

One common mistake is relying on verbal confirmation only; always request written cancellation confirmation and a final statement of account.

Without written proof you may face disputes over whether cancellation was effective or whether further premiums were due.

Assuming automatic refunds or cover gaps

Do not assume an automatic refund will be given; Combined/Chubb did not publish a clear public refund policy.

Also check replacement cover before cancelling to avoid gaps in important insurance such as income protection or trauma cover.

Comparative recap

Quick comparison

Takeaway

Combined (Chubb NZ) behaves like a standard insurer for dispute escalation but lacks clearly published cancellation/refund wording on public pages.

Contact them directly for your policy specifics and obtain all confirmations in writing before relying on assumed entitlements.

After cancelling

Practical next steps

• Obtain written confirmation of cancellation and a final statement of account.
• Check other policies or obtain replacement cover if needed to avoid gaps.
• Store all records of the cancellation and any payments or refunds.

Helpful links

Combined Insurance (NZ) / Chubb contact pages: Combined Insurance (New Zealand).

Dispute and consumer information: Insurance & Financial Services Ombudsman (IFSO) and the Fair Insurance Code.

Address

Postal correspondence

Combined Insurance Company of New Zealand

Private Bag COMBINED, Remuera, Auckland 1541, New Zealand

Notes on contacting

Use the insurer's website contact details or your policy documents to find email or phone contacts for faster service.

If you are working with a broker, they can typically lodge cancellations and follow up on your behalf.