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Cancel LIBERTY
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Cancellation service #1 in Singapore
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the Liberty 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.
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- guarantee the validity of an incorrect or outdated address.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.
Cancellation Liberty: Easy Method
What is Liberty
Overview
Liberty refers to Liberty Insurance Singapore, a provider of personal and commercial insurance products such as health, motor, travel and specialist covers marketed in Singapore.
The company issues policy documents, manages premiums and handles cancellations according to policy terms and local regulatory guidance.
Core services
Typical products include short-term health plans (e.g., EzCare, proMedico) and other general insurance policies offered to individuals and businesses.
Policies are governed by written policy schedules and customer communications delivered by the insurer or its agents.
How to cancel Liberty
Cancel during the free-look period (recommended first step)
- Within 14 days from date of receipt of the policy documents you may cancel in writing to obtain a full refund.
- Provide written notice (email or signed letter) and return the policy documents as instructed in your policy pack.
Cancel outside free-look or general cancellations
- Follow the cancellation procedure set out in your policy schedule or contact the insurer via the official contact channels listed on your policy documents.
- If the insurer cancels (insurer-initiated), they typically provide 30 days’ written notice for certain short-term policies; ask for the calculation method for any refund.
What happens when you cancel
Coverage and effective date
Cancellation ends your insurance coverage from the date specified in the insurer’s acknowledgement or the expiry date noted in the notice.
Confirm in writing the effective cancellation date to avoid gaps or unintended cover continuation.
Renewal, records and communications
Once cancelled, automatic renewals will stop unless you purchase a new policy or advise the insurer otherwise.
The insurer will retain policy records as required by their internal policies and regulations; request confirmation of record retention if needed.
Will I get a refund?
Refund during free-look
If you cancel within the mandatory 14-day free-look period you are generally entitled to a full refund of premium paid.
Cancellation must be in writing and you may need to return the policy documents for the refund to be processed.
Refund after free-look or insurer cancellation
- After the free-look period refunds are based on the unearned premium using a short-rate table or the method shown in your policy schedule.
- No refund is usually payable if a claim has already been made under the policy.
- Refunds may be reduced for reasonable expenses (for example, medical exam fees) or by investment fluctuations for investment-linked plans.
Liberty plans and pricing
Where to check prices
Pricing, premiums and plan features vary by product and policy year. Always check the official Liberty Insurance Singapore policy schedule or website for current prices.
Do not rely on third-party quotes; use the insurer’s written schedule and official communications for exact pricing.
Price changes and renewals
Premiums may change at renewal and are shown in your renewal notice or policy documents.
If unsure, request a written breakdown of premium components from the insurer before cancelling or renewing.
Your consumer rights in Singapore
Free-look and written notification
All insurance policies sold in Singapore include a mandatory 14-day free-look period from date of receipt of policy documents, during which you can cancel and obtain a refund.
If policy documents are delivered by post or email the free-look period may be considered to start 7 days after sending, per common local guidance.
Refund basis and remedies
- Refunds during free-look are typically full premium less any reasonable deductions expressly allowed in the policy.
- After free-look, refunds (if any) are calculated on a short-rate basis and may be denied if a claim has been made.
- If you encounter unresolved operational failures (e.g., claims portal not working), consider escalation routes described in your policy or industry guidance.
Customer experiences
Positive feedback
Community notes for Singapore commonly confirm the existence of the standard 14-day free-look across insurers, which enables full refunds if cancelled promptly.
Many policyholders rely on this period to review cover and exercise cancellation if terms are unsuitable.
Negative reports and operational issues
There are reports from other markets of severe operational issues (broken portals, slow email responses) affecting refund or claim handling; these reinforce the need to keep written records and escalate when necessary.
If you face similar problems, keep copies of all communications and request written acknowledgements from the insurer.
Documentation checklist
Essential items to prepare
- Original policy documents or a clear statement of policy number from your policy schedule.
- Written cancellation instruction: signed letter or email with your full name, NRIC/passport number and policy number.
Supporting documents to include
- Proof of receipt date for policy documents (if available) to confirm free-look eligibility.
- Any correspondence with the insurer or agent, and proof of return of policy documents if requested.
Common mistakes
Missing the free-look window
Waiting too long to cancel is a frequent error; the free-look window is strictly counted from receipt of documents or the delivery start date.
Keep delivery receipts and note dates to prove eligibility within 14 days.
Poor record-keeping and informal requests
Relying on verbal requests or informal chat messages can cause delays or disputes; always make cancellation requests in writing and keep copies.
Also avoid assuming online app/in-store workflows apply - follow the written cancellation steps in your policy.
Comparative recap
At-a-glance comparison
| Feature | What it means | Period |
|---|---|---|
| Free-look | Cancel in writing for full refund if within window | 14 days |
| Insurer-initiated cancellation | Insurer gives notice; unearned premium refunded on short-rate basis unless claim made | 30 days (notice) |
| Refund after free-look | Refund based on short-rate table; may be reduced for expenses or fund losses | Varies (short-rate) |
After cancelling
What to keep and verify
Keep written confirmation of cancellation and any refund calculation provided by the insurer. Store copies of all correspondence and bank statements showing refunds.
Verify with the insurer that automatic renewals have stopped and request a final statement showing any refund paid.
Next steps and escalation
If you cannot resolve issues directly, use the escalation channels described in your policy documents or seek advice from industry guidance organisations in Singapore.
Retain evidence of attempts to contact the insurer and any operational failures (screenshots, emails) in case you need to refer the matter to an alternative dispute resolution body.
Address
Main office (use for enquiries)
One Raffles Quay #25-01 North Tower Singapore 048583
Use the contact details on your policy documents to direct cancellation notices and enquiries; the policy schedule will specify the correct operational contact.
Additional mailing notes
Some corporate addresses (e.g., #40-01) may be used for data protection or general mail; headquarters addresses cited elsewhere (e.g., Club Street) are not usually required for cancellations.
If in doubt, follow the address and contact instructions provided in your policy schedule or written communications from the insurer.