Cancel Allianz the easy way

Who they are

Allianz SE is a global insurance and asset management group founded in 1890, headquartered in Munich, Germany. Allianz provides motor, home, travel and commercial insurance products in the United Kingdom and internationally.

Core services in the UK

In the UK Allianz sells car insurance (Bronze, Silver and Gold tiers), annual multi-trip travel insurance, breakdown add-ons and motor legal expense products. Pricing for some products starts from announced figures, for example car insurance from £299 and breakdown cover from £31 a year.

Company facts

Official company overview: Allianz on Wikipedia.

Web - cancel via Allianz account

1. Sign in to your Allianz account on their website.
2. Open the policy you want to cancel and select the option labelled 'cancel policy' or similar.
3. Choose the cancellation date and follow on-screen instructions to confirm.
4. Keep a screenshot and any confirmation email for your records.
5. If you do not receive an email, save the on-screen confirmation and note the date and time.

Phone - cancel by telephone

1. Call Allianz or your broker and provide your policy number and personal details to verify identity.
2. State the policy you want to cancel and the requested end date.
3. Request a reference or confirmation number for the call.
4. Record the date and time of the call and the name of the representative.

Email - cancel by email

1. Compose an email to Allianz or your broker including your full name, policy number, date of birth and the cancellation date.
2. Request written confirmation of cancellation and any refund calculation.
3. Keep copies of the sent message and any reply.

Post - cancel by registered letter

1. Write a signed cancellation letter including your policy number, full name, address and desired cancellation date.
2. Send it by recorded delivery to Allianz, 199 Bishopsgate, EC2M 3TY London, United Kingdom.
3. Keep the proof of posting and delivery receipt.

Through your broker

1. Contact the broker who arranged the policy and give them the cancellation instruction in writing.
2. Ask the broker to confirm the effective cancellation date and any refund calculation.
3. Retain the broker confirmation for your records.

Official Allianz guidance on cancelling car insurance is available at Allianz cancelling car insurance.

Cooling-off period (14 days)

Rule - You have a 14-day cooling-off period from when cover starts or when paperwork arrives, whichever is later. During this period you can cancel and receive a refund subject to deductions.

Required proof documents - Policy number and evidence of the date cover started or the date paperwork arrived (email or postal receipt).

Applicable law - Consumer Contracts Regulations 2013.

End of commitment or renewal

Rule - If your policy is at the end of the agreed period you can cancel at renewal. Check your renewal terms for the exact date to give notice. If you do not want the policy to auto-renew cancel before the renewal date using your account, broker, email or post.

Required proof documents - Policy schedule and renewal letter or online confirmation showing renewal date.

Applicable law - Consumer Rights Act 2015 for contract terms; CMA guidance on auto-renewal fairness.

Price increase

Rule - If Allianz increases your premium mid-term or at renewal check the policy terms and your renewal notice. Where terms are unclear or the increase was not agreed, you may have the right to cancel and request a refund of the unused premium.

Required proof documents - Renewal notice showing the increased premium and your current policy schedule.

Applicable law - Consumer Rights Act 2015 and CMA guidance on unfair contract terms and auto-renewal.

Moving address (change of risk)

Rule - Moving house can change the risk band for home or car insurance. Notify Allianz or your broker. Cancellation may be possible if the risk can no longer be insured on the same terms.

Required proof documents - Proof of new address such as a tenancy agreement or utility bill and the policy number.

Applicable law - Consumer Rights Act 2015.

Death of the policyholder

Rule - If the insured person dies, the policy can be cancelled. The executor or next of kin should contact Allianz or the broker.

Required proof documents - Death certificate and proof of authority (executor documents or probate where requested) and the policy number.

Applicable law - Consumer Rights Act 2015.

Contract breach, non-payment, fraud or misrepresentation

Rule - Allianz or your broker may cancel for non-payment, breach of terms, misrepresentation or fraud. Allianz may give a 7-day notice period in these situations in some cases.

Required proof documents - Any correspondence about missed payments, insurer notice letters, or evidence related to alleged misrepresentation or fraud.

Applicable law - Consumer Rights Act 2015 and general contract law.

Before you cancel - how to negotiate

Retention offers - Research does not report specific standard retention discounts that Allianz offers during cancellation calls. If you want to keep cover, ask the agent or your broker for a lower premium, a different excess, or a move to a lower tier (Silver or Bronze) and ask for the offer in writing.

How to ask - Call or email Allianz or your broker, present competing quotes and request a price match or reduced premium for renewal. Record the conversation and get the offer in writing.

What cancelling saves you - example calculations

Example 1 - Car Insurance basic advertised price: from £299 per year. Alternative cheapest competitor (LV=) price: £119 per year.

Calculation - £299 - £119 = £180 saving per year. Shown math: £299 - £119 = £180.

Example 2 - Breakdown cover Bronze: £36.50 per year. If you cancel and replace with a different provider that charges £31 per year for comparable cover, saving = £36.50 - £31 = £5.50 per year. Shown math: £36.50 - £31 = £5.50.

Cheapest real alternative from competitors - LV= annual price listed at £119 per year for home/car comparison purposes.

Relevant UK law and regulators

The main laws and regulators that apply to insurance contracts in the UK are the Consumer Contracts Regulations 2013, the Consumer Rights Act 2015, the Financial Conduct Authority and the Prudential Regulation Authority. The Competition and Markets Authority monitors unfair auto-renewal practices.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off right for most insurance contracts taken online or off-premises. During this 14-day period you may cancel and receive a refund subject to deductions for cover days and administrative fees.

How to escalate a dispute

Step 1 - Complain to Allianz or your broker in writing and keep copies of all correspondence.

Step 2 - If Allianz does not resolve the complaint, escalate to the Financial Ombudsman Service. If the insurer issues a final response letter, you usually have six months to take it to the Ombudsman.

Other remedies - For qualifying card payments, consider Section 75 protection or a chargeback via your card issuer; for general guidance contact Citizens Advice.

Check your final bill and refund

After cancellation request confirmation, check the refund calculation. Allianz's published policy states you have a 14-day cooling-off period. Refunds during cooling-off are subject to deduction for cover days and a £25 administrative charge plus Insurance Premium Tax. Outside the cooling-off period, if no claim has been made, Allianz issues a pro-rata refund less a £25 cancellation charge plus Insurance Premium Tax.

Exceptions that affect refunds

If a total loss payment has been made under the policy during the cooling-off period, no refund will be given. If a claim has occurred that is unsettled or settled and payments have not been recovered (excluding windscreen claims), no refund is provided. If the policy is cancelled due to fraud or financial crime, the balance is refunded unless fraud is identified, but a £25 charge plus Insurance Premium Tax applies.

Access to documents after cancellation

Save copies of your policy schedule, cancellation confirmation, and any communications. Ask Allianz or your broker to confirm how long they will retain electronic copies if you need them later.

Re-activation and new cover

If you want to re-activate or buy new cover, obtain quotes before the previous policy expires to prevent gaps in insurance. Compare the Allianz renewal price to competitor offers before deciding.

Use this checklist when cancelling an Allianz policy.

• Locate your policy number, schedule and the start date of cover.
• Decide the cancellation method: online account, email, post, phone or through your broker.
• If cancelling by post, send a signed registered letter to Allianz, 199 Bishopsgate, EC2M 3TY London, United Kingdom and keep proof of posting.
• Request written confirmation and a refund calculation showing the £25 administrative deduction where applicable.
• Check whether a claim has been made - if yes, a refund may be withheld according to policy terms.
• If you have a cooling-off right, request the refund and quote the Consumer Contracts Regulations 2013 if needed.
• If insurer refuses a valid cancellation or refund, escalate to the Financial Ombudsman Service after obtaining Allianz's final response.