Cancel POLICY EXPERT 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 Policy Expert 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 Policy Expert: Easy Method
What is Policy Expert
Overview
Policy Expert is an insurance intermediary that sells motor and other insurance products online and via apps. It markets competitive prices and a quick online setup process.
How it operates
It operates through web sales and mobile app stores and uses third-party underwriters. Public reviews note ease of purchase but mixed experiences with changes and cancellations.
How to cancel Policy Expert
Cancel via App Store (Apple)
- Open the App Store on your iPhone or iPad.
- Tap your profile picture at the top right.
- Select "Subscriptions", find the Policy Expert subscription and tap "Cancel Subscription".
- Users in New Zealand commonly advise this as the recommended route. Source: reddit.
Cancel via Google Play
- Open the Google Play Store app and tap your profile.
- Choose "Payments & subscriptions" then "Subscriptions".
- Find Policy Expert and follow the on‑screen option to cancel.
- Note: explicit Policy Expert guidance for Google Play in NZ was not found; this mirrors typical Android subscription flows.
Cancel via Policy Expert (web / phone)
- Users report some cancellations require calling Policy Expert directly rather than completing online forms.
- Reported telephone cancellation charges were found in anecdotal UK threads; the NZ position was not verified.
- If you cannot cancel via your app store, contact Policy Expert by phone (if listed) or send a written request to the postal address below.
What happens when you cancel
Access to cover
When you cancel, your insurance cover may end immediately or at the end of the paid period depending on the policy terms. Check your policy documents for the exact effective date.
Renewals and future payments
Automatic renewals should stop after a successful cancellation. Confirm with the app store or directly with Policy Expert that recurring payments are cancelled.
Data and records
Policy and payment records are normally retained by the insurer and intermediary for regulatory and tax reasons. Request copies of documents if you need them for disputes or proof of cancellation.
Will I get a refund?
Typical policy position
Refund entitlements depend on Policy Expert's terms and the insurer's refund rules. No definitive NZ policy wording was located in the available sources.
Reported exceptions and fees
- Reddit users in the UK have reported cancellation fees of around £15 - £20 during a 14‑day cooling‑off period and about £30 afterwards. This is anecdotal and from a UK thread: reddit.
- Because NZ-specific terms were not verified, treat these figures as possible examples rather than guaranteed charges in New Zealand.
How to seek a refund
- Request a refund in writing (email or post) and keep a copy of the cancellation confirmation.
- If you paid via App Store or Google Play, refunds may need to be requested through Apple or Google depending on their rules.
- If you are refused a refund and believe it is unfair, seek advice from consumer resources listed below.
Policy Expert plans and pricing
Available plan types
No verified New Zealand plan or price list was found for Policy Expert in 2024/2025.
Pricing note
Because no NZ pricing data is available from the verified sources, prices are shown as "Varies" below. Contact Policy Expert or the app store for current NZ pricing details.
| Plan | Price (NZD) | Notes |
|---|---|---|
| Comprehensive | Varies | No verified NZ pricing found |
| Third‑party / Third‑party fire & theft | Varies | Varies by underwriter and term |
| Short‑term / Monthly | Varies | Check app store or Policy Expert for availability |
Your consumer rights in New Zealand
General consumer protections
New Zealand consumer law (including the Consumer Guarantees Act) protects buyers against faulty goods and misleading conduct. Sellers cannot lawfully post a blanket "no refunds" sign for faulty products.
Cooling‑off and online insurance
- There is not necessarily an automatic "change of mind" cooling‑off right for online insurance in NZ; special rules apply for door‑to‑door sales and certain credit agreements.
- Reported UK cooling‑off charging practices may not apply in NZ and could be open to challenge depending on jurisdiction and contract terms.
Where to get authoritative guidance
For detailed, NZ‑specific advice about returns and refunds consult Consumer.org.nz guidance on returns and refunds: consumer.org.nz.
Customer experiences
Positive reviews
Trustpilot shows broadly positive feedback for Policy Expert, with many users praising competitive pricing and ease of setting up policies.
Negative reviews and anecdotes
Some users report difficulties changing policy start dates online, unexpected charges for changes, and poor customer service. These are reported anecdotally on community forums.
Where these reports come from
- Trustpilot summary: Trustpilot.
- Forum anecdotes: reddit and other threads.
Documentation checklist
What to have ready
- Policy number or subscription identifier.
- Account email and registered name on the Policy Expert account.
- Payment method details and transaction reference for the last payment.
If you plan to request a written refund
- Keep copies of cancellation confirmations and any correspondence.
- Record the date and method of cancellation (App Store screenshot, call log, or posted letter receipt).
Common mistakes
Assuming app cancellation is unnecessary
Some customers assume deleting the app cancels the subscription; this does not stop App Store or Google Play recurring payments.
Not keeping proof
Failing to save cancellation confirmations or payment receipts makes disputes harder. Always save screenshots, emails, or written receipts.
Mistaking reported fees for guaranteed charges
Forum reports of cancellation fees come from the UK and may not reflect NZ practices. Treat anecdotal fees as unverified until confirmed by Policy Expert.
Comparative recap
Cancellation method comparison
| Method | Ease | Refund likelihood | Notes |
|---|---|---|---|
| App Store (Apple) | High | Depends on Apple / insurer | Recommended by NZ users; manage via App Store |
| Google Play | Moderate | Depends on Google / insurer | Likely similar to Apple but no Policy Expert specific source found |
| Direct (phone / written) | Variable | Depends on Policy Expert terms | Users report phone-only cancellations and possible fees in anecdotal UK reports |
Key takeaway
Use the app store route where possible and keep evidence of cancellation. Verify refund policy directly with the provider when possible.
After cancelling
What to check immediately
- Confirm receipt of cancellation and stop of recurring payments with App Store/Google Play or Policy Expert.
- Check your bank or card statement for further charges for at least one billing cycle.
Where to get help
- Consumer guidance: consumer.org.nz.
- For public review and company feedback: Trustpilot.
Address
Postal address for written complaints or requests
Policy Expert Motor, Maxim 10, 12 Parklands Avenue, Holytown ML1 4WQ.
Note about jurisdiction
This is the address provided in available records and appears to be a UK location. If you are in New Zealand, consider contacting the app store first and seek local consumer advice if you cannot resolve the issue.
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.