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

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.