Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the State Insurance 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 State Insurance: Easy Method
What is State Insurance
Overview
State Insurance is a New Zealand general insurer offering car, home, contents and combined policies.
It provides online quotes, policy management and claims services for personal insurance customers.
Where to find information
Official policy and help pages are published on State Insurance’s website and Help Centre.
Customer service channels include phone and social messaging for queries and cancellations.
How to cancel State Insurance
Primary cancellation methods
- Phone: Call State Insurance on 0800 80 24 24 to request a cancellation.
- Facebook Messenger: Some web guidance indicates Messenger contact is accepted for mid-term cancellations.
- Web: Use the Help Centre guidance to locate cancellation options or contact details if you purchased online.
Steps to cancel (recommended)
- Find your policy number and personal details before you call or message.
- Contact State Insurance by phone (0800 80 24 24) or use Facebook Messenger and state you want to cancel.
- Ask for the cancellation date, confirmation reference, and whether a pro rata refund applies.
- Follow up in writing (email or message) and retain copies of confirmation for your records.
What happens when you cancel
Policy access and coverage
Cover continues until the cancellation date agreed with State Insurance unless otherwise stated.
Confirm the exact time and date when cover ends to avoid gaps or unintended exposure.
Renewals and data handling
Automatic renewals should be checked and cancelled if you do not want continued cover or charges.
State Insurance will retain policy records as required; request copies of cancellation confirmation for your files.
Will I get a refund?
Standard refund policy
For web-based mid-term cancellations, State Insurance’s Help Centre states unused premium is refunded pro rata.
Ask for the refund method and expected timeframe when you cancel.
Exceptions and user reports
- There is no explicit public statement of a 14-day "cooling-off" money-back guarantee in State Insurance materials.
- Some customers report quick refunds, while others report delays or continued billing after cancellation.
- If a refund is delayed, request a refund timeline and escalation reference from State Insurance.
State Insurance plans and pricing
Example plans
The table below shows sample monthly quotes from third-party examples for 2025. Actual prices vary by individual factors.
| Plan | Price (monthly) | Features / Excess |
|---|---|---|
| Car Insurance - 2017 Toyota Corolla, Auckland | NZ$84.63 | Comprehensive; $15,000 value; $500 excess |
| Car Insurance - 2020 Toyota Corolla, Wellington | NZ$76.96 | Comprehensive; $25,000 value; $1,100 excess |
| Home Insurance - $700,000 sum insured, Christchurch | NZ$192.85 | Home Comprehensive; $1,000 excess |
| Contents Insurance - $60,000 sum insured, Auckland | NZ$54.25 | Contents Comprehensive; $500 excess |
| Home & Contents - $700,000 home + $60,000 contents, Wellington | NZ$231.22 | Combined cover; $1,000 home excess; $500 contents excess |
Your consumer rights in New Zealand
Statutory context
State Insurance’s public documents do not explicitly reference a statutory 14-day cooling-off right.
Under New Zealand law, consumer protections exist in statutes such as the Fair Trading Act and other financial services rules.
What to do if you have a dispute
- Use State Insurance’s internal complaints process first; ask for escalation and a reference number.
- If unresolved, consider external advice or complaints to the Financial Markets Authority or Commerce Commission as appropriate.
- Keep records of calls, messages, and confirmation dates to support any escalation or formal complaint.
Customer experiences
Positive reports
Some customers report smooth claims and supportive service, including quick repairs, loan vehicles and timely settlements.
Other reviewers describe efficient help when cancelling direct debits and receiving refunds while overseas.
Negative reports
Multiple reviewers report slow or poor communication during cancellations and claims, including long hold times and ignored escalations.
There are also reports of continued billing after cancellation requests and difficulties reaching support for resolution.
Documentation checklist
What to prepare before you cancel
- Policy number, full name and contact details used on the policy.
- Payment method details and last payment date for refund calculations.
- Reason for cancellation and preferred cancellation date.
- Copies of any prior correspondence or confirmation numbers related to the policy.
What to request from State Insurance
- Written cancellation confirmation with effective date and reference number.
- Information on any pro rata refund amount and expected payment method.
- Next steps if you notice further charges after cancellation.
Common mistakes
Not getting written confirmation
Many problems arise when customers rely only on verbal assurances. Always obtain written confirmation of cancellation.
Keep emails, message transcripts or a confirmation reference for your records to avoid future billing disputes.
Assuming immediate stop of charges
Some customers assume charges stop immediately; in practice cover often continues until the cancellation date.
Ask explicitly whether any forthcoming scheduled payments will be cancelled and when refunds will be issued.
Comparative recap
Quick comparison table
| Feature | State Insurance (notes) |
|---|---|
| Cancellation methods | Phone (0800 80 24 24) and Facebook Messenger for mid-term; no distinct App Store/Google Play route documented |
| Refunds | Pro rata refund for unused premium on mid-term web cancellations; timing varies and user reports differ |
| Cooling-off | No explicit 14-day money-back guarantee stated in public materials; check policy wording |
| Customer service experience | Mixed: some prompt service and quick refunds; other reports of delays and continued billing after cancellation |
After cancelling
Check and confirm
Ensure you receive written confirmation and a refund timeline, if applicable.
Monitor your bank and payment method for the refunded amount and any unexpected charges.
Further steps and links
- State Insurance Help Centre: State Help Centre
- Financial Markets Authority: fma.govt.nz
- Citizens Advice Bureau (consumer support): cab.org.nz
Address
Postal and correspondence
State Insurance
1 Fanshawe Street, Auckland 1011, New Zealand
Notes on locations
Use the Auckland corporate office address for correspondence related to cancellation and complaints.
Hamilton is used as a headquarters location for general mail and enquiries in some communications.
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.