Cancel LEMONADE online
Cancellation service #1 in New Zealand
4.9Calculated on 5.6K reviews
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Lemonade 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 Lemonade: Easy Method
What is Lemonade
Overview
Lemonade is a digital insurance provider that offers policies through its app and website, aiming for a streamlined, tech-first experience.
How it operates
Policies, changes and cancellations are primarily handled online or via the mobile app rather than through physical branches.
How to cancel Lemonade
Cancel via web or app
- Log in to your Lemonade account on the website or open the Lemonade app.
- Follow the in-app/webflow to cancel - cancellations can be made at any time.
- Cancellation is effective from the date of your cancellation request (not retroactive).
Cancel in-app (specific path)
- Open the app and go to Settings → Manage Plan → Cancel Plan.
- Confirm the cancellation when prompted; the app should show confirmation and next steps.
- Keep a screenshot of the confirmation for your records.
App Store and Google Play purchases
- If you purchased via Apple App Store, request refunds through Apple’s Report a Problem system: reportaproblem.apple.com.
- Google Play purchases are governed by Google’s policies; Lemonade’s documentation does not specify a separate process.
- NZ consumer law still applies to purchases made through app stores; keep evidence of purchase and cancellation.
What happens when you cancel
Access and policy status
When you cancel, your insurance cover ends from the cancellation request date unless otherwise specified in your policy.
Renewals stop after cancellation; check your policy for any automatic renewal clauses and ensure they are turned off if relevant.
Data and records
Lemonade retains policy and claim records as required by law and its privacy policy; check your account or policy documents for retention details.
Request copies of important documents or proof of cancellation if you need them for disputes or future records.
Will I get a refund?
Standard refund practice
Refunds are generally pro-rata: you receive a refund for unused coverage from the cancellation date forward.
Refunds are not retroactive to earlier billing periods; they commence from the date your cancellation request is processed.
Exceptions and special rules
- Life insurance: a 30-day "free look" applies, allowing a full refund of the first month’s premium if exercised within 30 days.
- Lemonade’s terms do not provide a 14-day automatic cooling-off refund; unless your contract states otherwise, that right does not automatically apply.
- App Store refunds must be requested via Apple; Google Play refunds follow Google’s rules and can be subject to those terms.
Lemonade plans and pricing
Available plans
Plan names and coverages vary by market and product type (e.g., renters, contents, life). Verify available plans in the app or on Lemonade’s site.
Pricing summary
| Plan | Price (NZD) | Notes |
|---|---|---|
| Renters / Contents / Other | Varies | No publicly available NZD pricing found; check the app for quotes. |
| Life insurance (first month refund) | Varies | 30-day free look gives full refund of first month if cancelled within 30 days. |
Your consumer rights in New Zealand
Cooling-off and cancellation rights
New Zealand generally does not impose a statutory 14-day cooling-off period for insurance unless the contract explicitly provides one.
Always check your policy wording for any contractual cooling-off or free-look periods specific to your product.
App store purchases and NZ law
- Purchases via the Apple App Store can be disputed through Apple’s reporting system; NZ consumer protections still apply.
- Google Play purchases are subject to Google’s procedures; consumer rights under NZ law continue to apply alongside those platform rules.
Customer experiences
Positive feedback
- Users commonly praise the app’s user-friendliness and clear policy documents.
- Claims are noted for speed and efficient payouts in many reports.
- Customer service is often described as responsive and professional.
Negative feedback
- Complaints include unexpected automatic renewals and users needing to remember to cancel manually.
- Some customers report confusion over premium changes or unexpected charges.
Documentation checklist
Before you cancel
- Policy number and full name on the account.
- Account email and phone number used to register.
- Purchase receipt or app store transaction ID if bought via Apple/Google.
When you cancel
- Screenshot of cancellation confirmation in the app or web portal.
- Dates: request date and any confirmation timestamps.
- Bank statement or payment proof showing charges if you are disputing amounts.
Common mistakes
Assuming retroactive refunds
Some customers expect refunds to cover past billing periods; Lemonade refunds are pro-rata from the cancellation date, not retroactive.
Missing confirmation or relying on reminders
Failing to obtain and save cancellation confirmation can cause disputes about whether and when you cancelled.
Do not rely solely on reminders; proactively confirm cancellation and keep a record.
Expecting a universal 14-day cooling-off
Assuming a 14-day automatic right to cancel with refund is a common error in New Zealand - this is not generally provided unless your policy states it.
Comparative recap
At-a-glance comparison
| Feature | Lemonade | Typical NZ insurer |
|---|---|---|
| Cancellation method | Online/app cancellation at any time; in-app path Settings → Manage Plan → Cancel Plan | Varies; some allow phone, email or broker-assisted cancellation in addition to online options |
| Refund on cancellation | Pro-rata from cancellation request date; life insurance has a 30-day free look for first-month refund | Varies by insurer; some offer pro-rata refunds or specific cooling-off periods |
| App store purchases | Apple refunds via Report a Problem; Google Play governed by Google policies | Varies; platform purchases still subject to platform and NZ consumer law |
After cancelling
Keep records
Store your cancellation confirmation, transaction receipts and any correspondence for at least the period required by your circumstances.
Useful links and next steps
- Lemonade Help Centre - check account-specific guidance and FAQs.
- Apple Report a Problem - request App Store refunds.
- Consumer Protection (New Zealand) - general consumer rights and complaints guidance.
- Commerce Commission - Consumers - information on consumer law and disputes.
Address
Lemonade mailing address
Lemonade Insurance, Attn: Customer Service, 5, 3rd Floor Crosby St., New York NY 10013, United States of America
Notes about postal cancellations
No New Zealand-specific postal cancellation address was identified; Lemonade primarily handles cancellations via app, email or the US mailing address above.
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.