Ending your Currys Insurance membership made easy

About Currys Insurance

Currys Insurance is the extended warranty and protection service offered by Currys, one of the UK's largest electrical retailers. Having processed thousands of these cancellations, I can tell you that Currys Insurance provides cover for your electrical purchases beyond the standard manufacturer's warranty. The service is underwritten by domestic & General Insurance PLC, a well-established insurance provider in the UK market.

Most importantly, Currys Insurance differs from your standard product warranty. Whilst manufacturers typically offer 12 months of cover, Currys Insurance extends this protection for multiple years, covering breakdowns, accidental damage, and in some cases, even theft. The policies are sold at the point of purchase in-store or online, and many customers sign up without fully understanding the terms or realising they can cancel if circumstances change.

Keep in mind that Currys Insurance operates as a separate entity from your purchase transaction. This means cancelling your insurance policy doesn't affect any returns or exchanges you might need to make on the product itself. I've seen countless customers confused about this distinction, so it's worth emphasising from the start.

Plans, features and pricing

First, let me break down what Currys Insurance actually offers. The company provides several tiers of protection, and understanding what you're paying for is crucial before deciding whether to cancel.

Coverage options available

Currys Insurance typically comes in three main variants. The Repair & Protect plan covers mechanical and electrical breakdowns after your manufacturer's warranty expires. The Repair & Protect Plus includes accidental damage cover, which is particularly popular for items like laptops and televisions. Additionally, there's often a Complete Care option that bundles breakdown cover, accidental damage, and theft protection together.

From my experience processing these cancellations, most customers opt for the mid-tier Repair & Protect Plus without realising they might already have accidental damage cover through their home contents insurance. This is actually one of the top reasons people cancel once they review their policies properly.

Pricing structure

The cost of Currys Insurance varies significantly based on the product value and coverage level selected. Here's what you can typically expect:

Most importantly, these prices typically increase each year when your policy renews. I've processed cancellations where customers were shocked to discover their annual premium had jumped by 20-30% at renewal without them noticing. Always check your renewal notices carefully.

Key features and limitations

Currys Insurance policies generally include unlimited repairs during the cover period, replacement if repair isn't economical, and next-day replacement for essential items like fridges and freezers. However, there are significant limitations you should know about.

The excess charges can be substantial. Additionally, wear and tear isn't always covered despite what some sales staff might imply. Cosmetic damage typically falls outside the policy scope unless it affects functionality. Keep in mind that pre-existing faults discovered after purchase aren't covered either, which catches many people out.

Terms of service and cancellation policy

Now we're getting to the critical information that most people overlook when signing up. Understanding these terms is absolutely essential before you start the cancellation process.

Cooling-off period rights

First and foremost, you have a 45-day cooling-off period from when you purchase Currys Insurance. This is actually more generous than the standard 14-day cooling-off period required by UK consumer law. During this time, you can cancel and receive a full refund of your premium, provided you haven't made a claim.

Pro tip from years of processing these: If you're within the 45-day window, clearly state this in your cancellation letter. I've seen cases where customers didn't mention it and were initially offered only a pro-rata refund instead of the full amount they were entitled to.

Cancellation after the cooling-off period

After the initial 45 days, you can still cancel at any time, but the refund calculation changes. You'll receive a pro-rata refund based on the remaining time on your policy, minus an administration fee. This admin fee typically ranges from £20 to £35, which can be a significant chunk of your refund if you're cancelling mid-term on a lower-value policy.

Additionally, if you've made any claims during the policy period, your refund will be reduced accordingly. In some cases, if the claim value exceeds what you've paid in premiums, you might not receive any refund at all. This is standard practice across insurance products, but it's worth understanding before you proceed.

Notice period requirements

Most importantly, Currys Insurance doesn't require a lengthy notice period for cancellation. Your cancellation takes effect from the date they receive and process your written request. However, you remain covered (and liable for the premium) until that processing is complete, which is why the method you choose for cancellation matters enormously.

Automatic renewal terms

Keep in mind that Currys Insurance policies automatically renew unless you actively cancel them. You should receive a renewal notice 21 days before your policy expires, but I've processed countless cancellations from customers who claim they never received this notice. The renewal happens automatically, and you're charged for another year.

Here's an insider tip: If your policy has already auto-renewed and you cancel within 14 days of that renewal date, you're entitled to a full refund of the renewal premium under the Insurance Act 2015. Many customers don't realise this and accept partial refunds they're not obliged to take.

Cancelling by post - the complete guide

After processing thousands of insurance cancellations, I can tell you with absolute certainty that postal cancellation is the most reliable method for terminating your Currys Insurance policy. Here's why, and exactly how to do it properly.

Why postal cancellation is your best option

First, let me explain why I always recommend the postal route, particularly using Recorded Delivery or a tracked service. When you cancel by post, you create an indisputable paper trail. You have proof of exactly what you said, when you sent it, and when it was received. This eliminates the \