Cancel Root: Easy Method

What is Root

Company and product

Root is a technology-driven company known primarily for its insurance product sold through an app-based platform in multiple markets.

The company also has an unrelated e-commerce presence under Rootlab, which sells physical products and has a separate return/cancellation policy.

Where it applies in New Zealand

Root Insurance users in New Zealand interact mainly through the app or app-store purchases; policies and support may be handled from the US headquarters.

Rootlab operates a New Zealand e-commerce site for products; that retail activity is subject to NZ consumer law and separate policies.

How to cancel Root

Canceling Root Insurance via app stores

• Open the Root Insurance app or the app store (App Store or Google Play) where you purchased the policy.
• Request cancellation through the app or the app-store subscription management - cancellation must be requested; there is no automatic “free-look” cancellation.
• Expect immediate cancellation of coverages once the cancellation request is received.

Canceling Rootlab (web orders) and written requests

• For Rootlab orders on the web, cancel before the order is dispatched via the site contact methods.
• If you prefer a written cancellation request for insurance, send it to the headquarters address (see Address section) and confirm with customer support by email or phone first.
• Keep records of dates, screenshots, order numbers, policy numbers, and any confirmation you receive.

What happens when you cancel

Access and coverage

When you cancel Root Insurance via the app or app store, all coverages end immediately on receipt of your cancellation request.

There is no continued trial period or delayed termination unless explicitly confirmed by support.

Policy renewal and records

Automatic renewals stop after cancellation; check your account and bank records to confirm no further premiums are taken.

Root retains policy records and may keep account data per its privacy policy; contact support to request copies or corrections.

Data and apps

Removing the app does not necessarily cancel your policy; always confirm cancellation in your policy/account settings or with support.

If you cancel a subscription through an app store, keep the store confirmation as evidence of cancellation.

Will I get a refund?

Root Insurance refund policy

Refunds for Root Insurance are calculated on a daily pro‑rata basis after cancellation - there is no automatic full premium refund except as that pro‑rata calculation allows.

There is no general “free‑look” policy; refunds follow the company policy available on its site.

Source: joinroot.com refund policy.

Exceptions and reported fees

• Some users report substantial cancellation or administrative deductions shortly after purchase (user reports on forums reference examples such as ~US$118 deductions).
• If you see an unexpected or large fee, contact customer support immediately and retain evidence; consider disputing via your payment provider if unresolved.

Rootlab (web orders) refunds

• Rootlab may allow cancellations before dispatch; dispatched items are handled as returns at the site's discretion within 45 days if in original condition.
• Refunds for Rootlab returns are subject to inspection and processing (up to 10 business days reported); return shipping is typically at the customer's expense.
• Source: rootlab.co.nz refund & return policy.

Root plans and pricing

Pricing overview

There is no publicly available, definitive NZ pricing for a finance-related Root app for 2024/2025 in the sources reviewed.

Where pricing is not available, use a “Varies” placeholder and confirm live pricing in the app or at purchase.

Table of plans and prices

Your consumer rights in New Zealand

Consumer Guarantees Act (CGA) basics

In New Zealand, statutory consumer rights under the Consumer Guarantees Act cannot be excluded by seller policy.

Remedies for major failures include cancellation, refund, and compensation for foreseeable loss; minor failures allow re‑supply or refund.

How this applies to Root and Rootlab

• Rootlab purchases of physical goods are protected by the CGA; the retailer’s return policy cannot override statutory rights.
• Insurance products are regulated separately; however, retail/commerce transactions on Rootlab remain subject to NZ consumer protections.

Source: rootlab.co.nz refund & return policy.

Customer experiences

Positive feedback

• Many users praise the Root Insurance app for easy quoting, affordable premiums, and a user‑friendly interface.
• Positive reviews highlight fast quoting and simple policy management via mobile.

Source: Trustpilot.

Negative feedback

• Reported issues include surprise cancellation fees, lack of itemised charge breakdowns, and inconsistent claims handling.
• Some users report abrupt policy cancellations during trial periods and app misclassification of passengers as drivers affecting ratings.

Sources: Trustpilot, Reddit.

Documentation checklist

What to gather before cancelling

• Policy number or order number and purchase date.
• Screenshots of the policy page, payment receipts, and any in‑app cancellation attempts.
• Correspondence with support (emails, chat transcripts) and app-store cancellation confirmations.

Supporting evidence for refunds or disputes

• Bank or card statements showing charges and timestamps.
• Any written confirmation of cancellation or refund calculations from Root.
• Photographs of returned items (for Rootlab) and tracking numbers for returns.

Common mistakes

Assuming deleting the app cancels coverage

Many users incorrectly assume removing the app cancels their policy. Deleting the app does not terminate your insurance unless you have confirmed cancellation through the policy or app‑store subscription manager.

Not confirming refunds or pro‑rata calculations

Another common error is expecting an automatic full refund or missing that refunds are calculated daily on a pro‑rata basis for insurance.

Always request written confirmation of the refund amount and check bank statements for the actual credited amount.

Comparative recap

Quick comparison

After cancelling

Follow-up actions

• Confirm cancellation and any refund in writing and save all confirmations.
• Monitor your bank account for the pro‑rata refund and any unexpected charges for at least one billing cycle.

Helpful links

• Root Insurance refund policy
• Rootlab refund, return & cancellation policy
• Trustpilot reviews for Root
• Community reports and discussions

Address

Headquarters for written cancellation

Root Inc., Attn: Customer Service / Cancellation Request,

80 E Rich Street, Suite 500, Columbus, OH 43215, United States

Final advice

Before sending a written cancellation, confirm the preferred cancellation channel with customer support by email or phone and keep copies of everything you send.

Use tracked postage for international mail and retain delivery confirmation as proof of your request.