How to end your Insurance2go subscription in the UK

About Insurance2go

Insurance2go is a UK-based insurance provider specialising in device protection for mobile phones, tablets, laptops, and other portable gadgets. Established in 2005, the company operates as a trading name of Assurant General Insurance Limited and has built a reputation for offering comprehensive cover against accidental damage, theft, loss, and mechanical breakdown. With over 15 years in the market, Insurance2go serves thousands of UK customers who seek protection for their valuable electronic devices.

The service provides cover for both new and refurbished devices up to three years old at the time of policy commencement. Insurance2go distinguishes itself through its straightforward claims process and the option to choose your own approved repairer in certain circumstances. The company is authorised and regulated by the Financial Conduct Authority (FCA), which means it must adhere to strict consumer protection standards and fair treatment principles.

As a consumer, understanding your relationship with Insurance2go is essential. When you purchase a policy, you enter into a legally binding contract that outlines both your rights and obligations. This means you have specific protections under UK consumer law, including the right to cancel within a cooling-off period and the right to clear information about policy terms. Therefore, knowing how to exercise these rights properly becomes crucial if you decide the service no longer meets your needs.

Insurance2go policies are underwritten by Assurant General Insurance Limited, a company registered in England and Wales. This distinction matters because your cancellation correspondence must reach the correct legal entity. The company processes cancellations through their registered office, and understanding the proper postal procedures ensures your request is handled efficiently and legally.

Subscription plans and pricing

Insurance2go offers several tiers of device insurance, with pricing structures that vary according to the type of device, its value, and the level of cover you select. Understanding these plans helps you assess whether the service justifies its cost and whether cancellation might be your best option.

Mobile phone insurance options

The company provides three main tiers of mobile phone cover: Essential, Premium, and Premium Plus. Each tier offers progressively more comprehensive protection, with corresponding price increases. Essential cover typically includes accidental damage and theft, whilst Premium adds loss cover and unauthorised call protection. Premium Plus extends to include worldwide cover and higher claim limits.

Monthly premiums for mobile phone insurance generally range from approximately £4.99 to £14.99, depending on your device's make, model, and value. High-value smartphones such as the latest iPhone or Samsung Galaxy models attract higher premiums due to their replacement costs. As a result, customers with older or less expensive devices often find better value in alternative protection methods, which frequently prompts cancellation requests.

Tablet and laptop cover

Insurance2go extends its services beyond mobile phones to include tablets and laptops. Tablet insurance typically costs between £3.99 and £9.99 monthly, whilst laptop cover ranges from £6.99 to £15.99 per month. These policies generally include accidental damage, theft, loss, and breakdown cover, with excess fees applied to each claim.

Why customers consider cancellation

Many policyholders reassess their insurance needs after several months of coverage. Common reasons for cancellation include upgrading to a newer device with manufacturer warranty, finding more competitive rates elsewhere, or realising the excess fees and monthly premiums exceed the device's current value. Some customers discover their home contents insurance already covers portable devices, making separate gadget insurance redundant.

Financial circumstances change, and device insurance often becomes a discretionary expense during budget reviews. Additionally, customers who have never claimed may question the value proposition, particularly as devices depreciate whilst premiums remain constant. Understanding these motivations helps you recognise that cancellation is a legitimate consumer choice, not a breach of good faith.

Cancellation terms and conditions

Your rights regarding cancellation depend significantly on how long you have held the policy and whether you have made any claims. UK insurance regulations provide specific protections that Insurance2go must honour, and understanding these provisions empowers you to cancel confidently.

The cooling-off period

Under Financial Conduct Authority rules, Insurance2go must provide a 14-day cooling-off period from either the policy start date or the date you receive your policy documents, whichever is later. During this period, you can cancel for any reason and receive a full refund of premiums paid, provided you have not made a claim. This protection exists specifically to give consumers time to review their decision without financial penalty.

In practice, this means you should carefully examine your policy documents immediately upon receipt. If you have second thoughts about the cover, the excess fees, or the monthly cost, you can exercise your statutory right to cancel. Therefore, acting within this 14-day window provides the cleanest exit from the contract with complete financial recovery.

Cancellation after the cooling-off period

After the initial 14 days, you retain the right to cancel at any time, but the refund terms differ. Insurance2go typically calculates refunds on a pro-rata basis, returning the unused portion of your premium for any remaining days in your current payment period. However, the company may deduct an administration fee, and if you have made a claim during the policy term, different conditions apply.

The policy terms specify that cancellations take effect from the date Insurance2go processes your request, not from the date you send it. This distinction makes your method of communication critically important. As a result, using postal methods with proof of delivery protects your interests by establishing a clear timeline of your cancellation request.

Claims and cancellation implications

If you have made a claim during your policy period, cancellation becomes more complex. Insurance2go reserves the right to refuse refunds or adjust them according to claims paid. Some policies include clauses stating that making a claim commits you to paying the full annual premium. Therefore, reviewing your specific policy wording before cancelling is essential, particularly if you have recently claimed.

Notice periods and requirements

Insurance2go does not typically impose lengthy notice periods for cancellation, unlike some insurance providers. However, the company requires written notification, and verbal cancellation requests are not accepted. This requirement exists to protect both parties by creating a documented record of your intention to cancel.

How to cancel Insurance2go by post

Postal cancellation represents the most reliable and legally robust method for terminating your Insurance2go policy. Whilst digital communication offers convenience, a properly sent letter provides documentary evidence that protects your consumer rights and establishes clear timelines.

Why postal cancellation is recommended

Sending cancellation by post, particularly via Royal Mail Recorded Delivery, creates an indisputable paper trail. You receive a certificate of posting and can track delivery confirmation, which proves Insurance2go received your cancellation request. This evidence becomes invaluable if disputes arise about cancellation dates or whether the company received your notification.

In practice, insurance companies must process written cancellations according to regulatory requirements. A posted letter with delivery confirmation cannot be claimed as "lost in spam filters" or "not received" in the way emails sometimes are. Therefore, postal cancellation gives you maximum protection and peace of mind that your request will be formally acknowledged and processed.

Furthermore, UK consumer law recognises posted correspondence as legally binding communication. The moment your letter is delivered to Insurance2go's registered address, the company has constructive notice of your intention to cancel. This legal principle protects you from arguments about processing delays or internal administrative issues.

Essential information to include

Your cancellation letter must contain specific information to ensure Insurance2go can identify your policy and process your request efficiently. Include your full name exactly as it appears on your policy documents, your complete policy number, and your contact telephone number. Additionally, state your current address and the email address associated with your account.

Clearly state your intention to cancel the policy and specify the cancellation date you are requesting. Whilst Insurance2go will apply their terms regarding effective cancellation dates, expressing your preferred date demonstrates your understanding of the contract. Include your device details, such as the make and model being insured, to help the company locate your policy quickly.

Request written confirmation of your cancellation and clarification of any refund due. Ask Insurance2go to confirm the final premium payment date and whether any further direct debits will be collected. This proactive approach protects you from unexpected charges after you believe the policy has ended.

The correct postal address

Ensuring your cancellation letter reaches the correct address is absolutely critical. Insurance2go processes cancellations through their registered office. You must send your cancellation letter to:

• Insurance2go
• Assurant General Insurance Limited
• Emerald Buildings
• Westmere Drive
• Crewe
• Cheshire
• CW1 6UN

Double-check this address before posting your letter. Sending cancellation to an incorrect address, such as a claims handling office or customer service centre, may delay processing and affect your cancellation date. As a result, you could face additional premium charges for the delay period.

Using Royal Mail Recorded Delivery

Royal Mail Recorded Delivery provides the gold standard for important correspondence. For approximately £3.35, you receive proof of posting and online tracking that confirms delivery. The service requires a signature upon delivery, creating conclusive evidence that Insurance2go received your letter.

Visit your local Post Office with your sealed, addressed envelope. The counter staff will weigh your letter, apply the Recorded Delivery service, and provide you with a receipt containing a unique tracking number. Retain this receipt carefully, as it constitutes your proof of posting. You can then track your letter's progress online through the Royal Mail website using the tracking number.

This tracking capability gives you real-time updates about your letter's journey. You will see when it arrives at the delivery office and when Insurance2go signs for it. Therefore, you know precisely when the company received your cancellation request, which determines your cancellation timeline and any refund calculations.

How Postclic simplifies the process

Whilst you can certainly handle postal cancellation yourself, services like Postclic streamline the entire process. Postclic allows you to create, send, and track your cancellation letter entirely online, eliminating trips to the Post Office and concerns about correct formatting or postage.

The service provides professionally formatted letter templates that include all necessary information Insurance2go requires. You simply enter your policy details, and Postclic generates a properly structured cancellation letter. The platform then prints, envelopes, and posts your letter using tracked delivery, providing you with digital proof of sending and delivery confirmation.

This approach saves considerable time and reduces anxiety about whether you have included all required information. As a result, you can cancel your Insurance2go policy from your computer or smartphone, with the same legal protections as traditional posting but with added convenience and digital record-keeping. The service typically costs less than £5, representing excellent value for the time saved and peace of mind provided.

Timeline expectations

Once Insurance2go receives your cancellation letter, the company should acknowledge it within a few working days. Processing typically takes 5-10 working days from receipt, after which you should receive written confirmation of cancellation and details of any refund due.

If you have not received acknowledgement within two weeks of confirmed delivery, contact Insurance2go's customer service to enquire about your cancellation status. Reference your Recorded Delivery tracking number and delivery date as evidence of your request. This documentation protects you from claims that no cancellation was received.

Refunds, when applicable, usually appear in your account within 10-15 working days after cancellation confirmation. If direct debit payments continue after this period, contact your bank immediately to cancel the direct debit instruction and request a refund under the Direct Debit Guarantee Scheme.

Customer reviews and tips

Understanding other customers' experiences with Insurance2go and their cancellation processes helps you navigate your own situation more effectively. Real-world insights reveal common challenges and successful strategies that can inform your approach.

Common customer experiences

Insurance2go receives mixed reviews across consumer platforms, with Trustpilot ratings typically ranging between 3.5 and 4 stars. Customers frequently praise the straightforward claims process when successful, noting that approved claims are settled relatively quickly with minimal hassle. However, some reviewers express frustration with claim rejections based on policy exclusions they felt were not clearly explained at purchase.

Regarding cancellations, customers report varying experiences. Those who cancel within the cooling-off period generally receive prompt refunds without difficulty. However, some customers cancelling after this period report delays in receiving refund confirmations or confusion about administration fees deducted from their refunds. These experiences underscore the importance of maintaining clear documentation of your cancellation request.

Expert tips for smooth cancellation

Based on consumer rights principles and customer experiences, several strategies increase your likelihood of hassle-free cancellation. First, review your policy documents thoroughly before initiating cancellation to understand exactly what refund you should expect. This knowledge prevents Insurance2go from applying unexpected deductions that you might otherwise accept without question.

Second, cancel your direct debit only after receiving written confirmation that Insurance2go has processed your cancellation and specified the final payment date. Cancelling the direct debit prematurely may breach your contract terms and complicate your cancellation. Therefore, wait for official confirmation before stopping payments.

Third, keep comprehensive records of all correspondence. Photograph or scan your cancellation letter before posting, retain your Recorded Delivery receipt, and save all tracking information. If Insurance2go sends acknowledgement emails or letters, file these systematically. This documentation becomes essential if you need to escalate a complaint to the Financial Ombudsman Service.

What to do if problems arise

If Insurance2go does not respond to your cancellation request within a reasonable timeframe, or if you dispute their handling of your cancellation, you have clear escalation options. First, contact the company's customer service team in writing, referencing your original cancellation letter and delivery confirmation. Request a formal response within 14 days.

If this approach fails to resolve the issue, submit a formal complaint through Insurance2go's complaints procedure. The company must provide you with their complaints policy, which outlines timescales for responses. Insurance companies must issue a final response to complaints within eight weeks.

Should you remain dissatisfied after receiving Insurance2go's final response, you can escalate your complaint to the Financial Ombudsman Service free of charge. The Ombudsman independently reviews insurance disputes and has the power to require Insurance2go to take specific actions, including processing cancellations and issuing refunds. This protection exists specifically to safeguard consumers against unfair treatment by financial services providers.

Preventing future issues

Learning from Insurance2go experiences helps you make better insurance decisions in the future. Before purchasing any device insurance, carefully compare the policy excess against your device's current value. Many customers discover too late that claiming would cost nearly as much as replacing the device independently.

Check whether your home contents insurance already covers portable devices away from home. Many comprehensive policies include this protection automatically, making separate gadget insurance redundant. Additionally, consider manufacturer warranties and extended protection plans offered at device purchase, which may provide better value than third-party insurance.

Read policy documents thoroughly before the cooling-off period expires. Understanding exclusions, excess fees, and cancellation terms from the outset prevents unpleasant surprises later. If anything seems unclear, request clarification in writing before the 14-day period ends, preserving your right to cancel with a full refund if the answers do not satisfy you.

Understanding your ongoing rights

Even after cancelling Insurance2go, you retain certain rights regarding how the company handles your personal data. Under UK GDPR, you can request that Insurance2go delete your personal information, subject to legitimate retention requirements. The company must comply with such requests within one month unless they have legal grounds to retain specific data.

If you made claims during your policy period, Insurance2go may retain your information for several years to comply with financial regulations and fraud prevention requirements. However, they must explain their retention periods and the legal basis for keeping your data. Therefore, if privacy concerns motivated your cancellation, submit a separate data deletion request after cancelling your policy.

Remember that cancelling insurance does not erase your consumer rights regarding previous service. If you later discover that Insurance2go mishandled a claim or provided misleading information that influenced your purchase decision, you can still pursue complaints through appropriate channels. Consumer protection laws give you up to six years to take legal action for contract breaches in England and Wales.

Taking control of your insurance arrangements demonstrates financial awareness and consumer empowerment. By understanding your rights, following proper cancellation procedures, and maintaining thorough documentation, you protect yourself from potential disputes and ensure Insurance2go treats you fairly throughout the cancellation process. Your decision to cancel represents a legitimate exercise of consumer choice, and you deserve efficient, respectful handling of your request.