Cancel Onepath: Easy Method

What is Onepath

Overview

OnePath is a financial services and insurance brand that has operated in Australia and New Zealand, offering life and income protection products among other policies.

The brand is primarily known in Australia; publicly available New Zealand - specific information is limited and distribution or cancellation methods can vary by channel.

New Zealand status

OnePath Life (NZ) Limited is recorded as dissolved; contact options and exact NZ processes may therefore be limited or routed via Australian operations.

Where NZ-specific guidance is not available, customers should expect variation by how they bought the policy (web, app stores, broker or phone).

How to cancel Onepath

General approach

Identify how you purchased the policy first: direct on a website, via a broker, or through an app store.

Gather your policy schedule, proof of payment and any correspondence before contacting the provider or the distribution platform.

Channel-specific steps

• Direct / Web: Locate your policy number and contact OnePath by the customer support channel listed on your policy documents or website. Ask for a written cancellation confirmation.
• Apple App Store: If purchased via Apple, check subscriptions in your Apple ID and request a refund or cancellation through Apple Support if applicable. Note: platform terms may apply.
• Google Play: If purchased via Google Play, manage or cancel the subscription in Google Play subscriptions and contact Google Support if you need help.
• Broker or phone sale: Contact the broker or adviser who sold the policy and request cancellation instructions and written confirmation.
• Postal or email requests: If the insurer accepts written requests, send a signed cancellation request including policy number, reason and preferred refund method. Keep a copy.

What happens when you cancel

Access and coverage

Coverage typically ends on the cancellation date or at the end of the current paid period, depending on the insurer’s terms.

Confirm the exact end date in writing so you know whether any gap in cover will occur.

Policy renewal and records

Automatic renewals will stop once cancellation is processed; verify there are no outstanding renewals or scheduled payments.

Keep copies of the cancellation confirmation, final statement and any correspondence for at least 12 months.

Will I get a refund?

Cooling-off and refund rules

OnePath’s Australian Product Disclosure Statement notes a 30‑day cooling‑off period: if you cancel within 30 days of receiving the Policy Schedule and no claim has been made, premiums paid will be refunded.

That cooling‑off provision is from the Australian PDS; NZ customers should confirm whether equivalent terms apply to their specific policy.

Exceptions and timing

• If premiums are paid monthly or fortnightly, the PDS indicates no refund after the cooling‑off period.
• If premiums are paid annually, a pro‑rata refund may be given if cancelled before the next annual payment is due.
• Refund processing times and eligibility can vary; request a written explanation if a refund is declined.

Reference (Australian source): onepath.com.au.

Onepath plans and pricing

Overview

Publicly available NZ pricing and plan names for OnePath are not clearly listed in the sources reviewed.

Because plan details vary by distribution channel and jurisdiction, specific NZ prices could not be confirmed here.

Pricing details

Your consumer rights in New Zealand

Legal protections

New Zealand consumers retain rights under local consumer protection laws such as the Consumer Guarantees Act and related regulations.

These laws provide protections that cannot be overridden by platform or provider terms.

Platform policies and preservation of rights

• Apple explicitly preserves local consumer rights for users in New Zealand - platform terms do not eliminate statutory protections.
• If you purchased through a platform (App Store or Google Play), you may have both platform remedies and statutory rights.

For more information about NZ consumer protections see: consumerprotection.govt.nz.

Customer experiences

Negative reports

Recent New Zealand Trustpilot reviews show a poor TrustScore and complaints about unsolicited mail, advertising practices and claim handling delays.

Australian review sites report delays or lack of response on income protection claims and describe customer frustration with benefit processing.

Positive or neutral feedback

There were no notable positive NZ‑specific reviews in the sources examined; experiences appear mixed to negative overall.

When reading reviews, confirm whether feedback refers to the same product line and jurisdiction as your policy.

Documentation checklist

Identity and policy documents

• Policy schedule and policy number
• Proof of identity (photo ID, driver licence or passport)
• Proof of payment (bank or card statements showing premiums)

Proof and correspondence

• Any written correspondence with OnePath or the broker (email or letters)
• Claim details if applicable (dates, claim number, communications)
• Bank details for any refund and a copy of the cancellation request

Common mistakes

Delaying cancellation and missing time limits

Waiting too long can mean losing the cooling‑off refund window or incurring additional premiums; act promptly once you decide to cancel.

Always check whether you are still within any specified cancellation or cooling‑off period.

Poor record keeping and unclear instructions

Not keeping copies of cancellation requests, confirmation emails, or payment records can make disputes harder to resolve.

Provide clear written instructions when you cancel and request written confirmation of the cancellation and any refund outcome.

Comparative recap

At a glance

The table below summarizes key points using available NZ and Australian information. This is a high‑level comparison and not legal advice.

Summary table

After cancelling

Next steps

Obtain written cancellation confirmation and final statements showing any refund or outstanding balance.

Check bank and card records for refunds and update any automatic payments or beneficiaries if needed.

Helpful links

• OnePath (Australian important information)
• Apple Support - Consumer rights in New Zealand
• New Zealand consumer protection guidance

Address

Postal address

PO Box 24031, Manners Street, Wellington 6142, New Zealand

Notes

OnePath Life (NZ) Limited is recorded as dissolved; routing of enquiries may be via Australian operations or a nominated administrator.

If you cannot find a current NZ contact, contact the broker who sold the policy or use the Australian OnePath contact pages linked above. Keep all correspondence and receipts.