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Cancel LIBERTY MUTUAL
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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 Mutual 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- guarantee the validity of an incorrect or outdated address.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 Mutual: Easy Method
What is Liberty Mutual
Company overview
Liberty Mutual is a global insurance group operating in multiple markets. In Singapore the business has been presented historically as Liberty Insurance Pte Ltd and is now associated with Liberty Specialty Markets Singapore Pte Ltd.
Local presence
Products in Singapore include short‑term accident and health covers and commercial plans. Policy administration and cancellations follow local insurer procedures rather than app‑store processes.
How to cancel Liberty Mutual
Cancellation routes
Cancellation is normally handled through written notice or via your agent. There is no documented option to cancel via App Store, Google Play, or a mobile app storefront for Liberty Singapore policies.
Step-by-step process
- Check your policy documents for the free‑look (14‑day) window from receipt of policy.
- If within 14 days, notify Liberty in writing or inform your selling agent and request cancellation and full refund.
- If outside 14 days, submit a written notice; the insurer may terminate with 30 days’ notice and return unearned premium on a short‑rated basis if no claims exist.
- Keep a copy of the written notice and any acknowledgement from the insurer or agent.
What happens when you cancel
Coverage and access
Coverage ends on the effective cancellation date specified by the insurer or in your cancellation confirmation. Ensure you confirm the exact end date in writing.
Policy records and renewals
After cancellation the policy is closed on Liberty’s records and any future renewal offers will stop. Keep copies of the cancellation acknowledgement for your records and future proofs of insurance history.
Will I get a refund?
Free‑look (first 14 days)
If you cancel within the statutory 14‑day free‑look period you are entitled to a full refund of any premiums paid or billed for eligible short‑term accident & health policies.
After the free‑look period and exceptions
- After 14 days, if the insurer cancels, unearned premium is normally returned on a short‑rated basis with 30 days’ written notice.
- No premium refund is typically payable if a claim has already been made under the policy.
- Always request a written calculation of any refund and the short‑rating table used.
Liberty Mutual plans and pricing
Plans overview
Below are the plans and pricing items available from the verified data. Prices and coverage shown are indicative and subject to change; obtain a personalised quotation for exact premiums.
Pricing notes
Some items state coverage limits rather than public prices. Where GST or deductible details were given, they are noted in the table below.
| Plan | Price | Period | Features |
|---|---|---|---|
| SMECare (All Risks / Fire & Extraneous Perils) | S$523.20 | Annual | Covers All Risks / Fire & Extraneous Perils; sections include All Risks, Consequential Loss, Rental Expenses, Money Insurance, Personal Accident, Public Liability, Goods‑in‑Transit; premium includes prevailing GST |
| Liberty PetCare | S$350 - S$750 | Annual | Pet insurance covering accidents, theft, medical issues; coverage S$1,500 - S$10,000; deductible S$500; co‑insurance 20% - 30% |
| Liberty MyHealth International Insurance (Essential to Elite tiers) | Not publicly listed - coverage limits only | Annual | International health insurance with coverage limits: Essential S$2,000,000; Extensive S$4,000,000; Elite S$6,000,000 |
Your consumer rights in Singapore
Free‑look / cooling‑off
Singapore insurance law provides a 14‑day free‑look period for applicable policies such as short‑term accident & health covers. You may cancel within this period and receive a full premium refund.
Other rights and procedures
- Refunds within free‑look are mandatory for valid cancellations.
- After the free‑look, unearned premiums may be returned on a short‑rated basis provided no claims were made.
- Cancellations generally require written notification; mobile app store mechanisms are not part of the standard process.
Customer experiences
Positive feedback
Customers often praise agents for patience, clarity and personalised service. These positive impressions are reflected in multiple online reviews for the wider Liberty Mutual brand.
Negative feedback
Negative reports commonly concern billing disputes, unexpected charges, difficulty with refunds, and problems with claims or notices of cancellation.
For examples of public reviews see customer posts and reviews: Trustpilot reviews and community discussion at Reddit.
Documentation checklist
Essential paperwork
- Original policy document or policy number.
- Proof of identity (e.g., NRIC or passport) as required in correspondence.
- Proof of premium payment (receipt or bank statement).
Supporting items
- Written cancellation request signed by policyholder.
- Reason for cancellation (if requested by insurer).
- Copy of any claim history or confirmation there are no outstanding claims.
- Agent contact details and any prior correspondence or acknowledgements.
Common mistakes
Missing deadlines
Failing to cancel within the 14‑day free‑look window is the most common error. Missing this deadline can mean you lose entitlement to a full refund.
Assuming app‑store or automatic routes
Policyholders sometimes assume they can cancel via App Store/Google Play or a mobile app; Liberty Singapore’s documented processes require written notice or agent contact, not app‑store cancellation.
Comparative recap
Quick takeaways
Use this table to compare the three items from the verified data: price visibility, typical cover and the period. For exact pricing, request a personalised quote.
Which to choose
Choose based on the type of cover: SME commercial risks for business, PetCare for pets, and MyHealth for international health limits; consult an adviser for fit and exclusions.
| Plan | Key cover | Price range | Period |
|---|---|---|---|
| SMECare | All Risks / Fire & Extraneous Perils; business sections | S$523.20 | Annual |
| Liberty PetCare | Accident, illness, theft for pets | S$350 - S$750 | Annual |
| MyHealth International | International health insurance with tiered limits | Not publicly listed (coverage limits provided) | Annual |
After cancelling
Next steps
After cancellation, confirm in writing the effective end date and any refund calculation. Keep the insurer’s acknowledgement for your records.
Further reading and experiences
If you want to read other customers’ experiences or broader commentary, see reviews and discussions at the links below.
Address
Corporate address
Liberty Mutual / Liberty Mutual Re (registered) office address shown in company materials is:
1 Raffles Quay, #40‑01 North Tower, Singapore 048583
How to contact
Refer to your policy schedule or agent for the correct contact channel and mailing address for cancellation notices. Retain all sent correspondence and any acknowledgement from Liberty.