Cancel Insurance2go the easy way

Overview

Insurance2go is a UK insurance provider specialising in mobile phone, tablet, laptop and small gadget insurance. Policies are administered under Loyal Insurance Services Ltd. and service operations are handled by administrators such as Citymain Administrators Limited.

Main products

Insurance2go offers Essential and Full cover for phones and SIM-only devices, gadget insurance for items like smartwatches and games consoles, and laptop and tablet cover. Prices start from £1.99 per month for some mobile covers and from £19.90 per year for annual plans.

How they sell

Policies are sold online via the Insurance2go website and via comparisons and refurbished device bundles. Annual payments and multi-gadget options are promoted in pricing notes.

Web cancellation

1. Go to your policy page: https://www.insurance2go.co.uk/your-policy.
2. Log in using your policy reference and email address.
3. Look for a cancellation or manage policy option and submit the cancellation request.
4. Save any confirmation screen or email as proof.

iOS and Android app cancellation

1. Insurance2go has not published specific app cancellation steps. If you only have an app, contact support by phone or email as below to request cancellation: 0333 999 7905 or [email protected].
2. Ask for written confirmation by email.

Phone cancellation

1. Call Citymain Administrators Limited on 0333 999 7905 (local rate).
2. Provide your policy number, name, and reason for cancellation.
3. Request a confirmation email or reference number and note the time and advisor name.

Email cancellation

1. Send an email from the policyholder email to [email protected] and copy [email protected].
2. Include full name, policy number, date of birth and a clear statement: "Please cancel my policy with immediate effect."
3. Keep the sent email and any reply as proof.

Postal cancellation

1. Write a signed letter to Insurance2go, 8a High Street, SM1 1DJ Sutton, United Kingdom stating your policy number and cancellation request.
2. Send it by tracked postal service and keep the proof of posting.
3. Expect processing after delivery; retain delivery receipt as proof.

Cooling-off (buyer's right within 14 days)

If you cancel within 14 days of purchasing the policy or receiving policy documents (whichever is later) you are entitled to a full refund of all premiums paid, provided no claim has been made. This right follows the Consumer Contracts Regulations 2013.

Required proof documents: proof of purchase date or policy documents and confirmation that no claim was made during the cooling-off period.

Moving / change of address

Insurance2go does not publish a special rule for moving. You may cancel under general consumer rights if the change means the insurer can no longer provide cover; present proof of new address (utility bill or tenancy agreement) when asked.

Applicable law: Consumer Contracts Regulations 2013 if exercised within 14 days; otherwise cancellation is handled under policy terms.

Price increase

If Insurance2go increases premiums mid-term and the policy terms treat that as a contractual change, you can cancel under the contract terms. The insurer must publish how you can reject such changes. Provide the insurer's notice of price increase when cancelling.

Applicable law: Consumer Rights Act 2015 for fair contract terms; escalate to the Financial Ombudsman Service if you receive an unfair charge.

Death of the subscriber

If the policyholder dies, executors or next of kin should contact Insurance2go with a death certificate to cancel. Insurance2go has not published a separate online process; use phone or post and include a copy of the death certificate.

Legitimate grounds accepted by Insurance2go

Insurance2go states it may cancel policies for reasons including non-payment of premium, threatening behaviour, failure to provide documents, non-compliance with terms, change in circumstances preventing cover, involvement in insurance fraud or providing misrepresented/false information. If the insurer cancels for these reasons, they will refund premiums less a charge for cover already provided, except when cancellation relates to fraud.

Required proof documents: any document requested by the insurer to support the decision; for insurer-initiated cancellations they will give written notice (14 days) where applicable.

End of commitment

For monthly policies you may cancel at any time after the initial 14-day cooling-off period. For annual policies you may cancel at any time after the 14-day cooling-off period; if no claim has been made a proportionate refund of the annual premium will apply.

Applicable law: Consumer Contracts Regulations 2013 and policy terms published on the insurer's policy documents.

Before you cancel: negotiating with Insurance2go

Research does not identify any published retention offers or discounts from Insurance2go. If you want to ask for a better rate or a retention offer, call Citymain Administrators Limited on 0333 999 7905 or email [email protected] and request a retention quote. When speaking, state your current premium, policy number and ask explicitly for any discount, monthly payment plan change or transfer to an annual price.

What cancelling will save you - concrete maths

Compare the cheapest Insurance2go mobile option and two competitors using published prices.

• Insurance2go Essential Cover (monthly) from £1.99: annual cost = £1.99 x 12 = £23.88.
• Insurance2go Essential Cover (annual) from £19.90: annual cost = £19.90.
• eInsured competitor price £3.50 per month: annual cost = £3.50 x 12 = £42.00.
• Legal & General competitor price £5.00 per month: annual cost = £5.00 x 12 = £60.00.

Example savings:

• Switching from eInsured monthly (£42.00) to Insurance2go monthly (£23.88) saves £42.00 - £23.88 = £18.12 per year.
• Paying Insurance2go annual (£19.90) instead of eInsured monthly (£42.00) saves £42.00 - £19.90 = £22.10 per year.
• Paying Insurance2go annual (£19.90) instead of Insurance2go monthly (£23.88) saves £23.88 - £19.90 = £3.98 per year.

Key consumer laws that apply

The Consumer Contracts Regulations 2013 give you a 14-day cooling-off right for most contracts concluded online or off-premises. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill and prevents unfair contract terms, including disproportionate cancellation penalties.

Regulator and escalation

If Insurance2go does not resolve your complaint, follow the insurer's complaints procedure first. If you remain dissatisfied, you can contact the Financial Ombudsman Service (FOS). The insurer's complaints procedure and FOS escalation detail are provided in Insurance2go policy documentation. You may also seek help from Citizens Advice or use Section 75 / chargeback via your card issuer for qualifying card payments.

Check your final bill and refund

If you cancelled within 14 days and no claim was made you are entitled to a full refund of premiums paid. For annual policies cancelled after 14 days with no claim you are entitled to a proportionate refund. Monthly policies cancelled after the 14-day cooling-off period normally do not receive a refund for premiums already paid.

Access and data

Keep copies of cancellation confirmations, email replies and proof of posting. If you want copies of personal data, request them under the insurer's privacy policy available at https://www.insurance2go.co.uk/privacy-security. Retain policy documents for 12 months in case of future disputes.

Use this checklist to cancel and protect your rights.

• Have your policy number and personal details ready.
• Decide the cancellation method: phone (0333 999 7905), email ([email protected]), web (your policy page) or post to Insurance2go, 8a High Street, SM1 1DJ Sutton.
• If within 14 days, request a full refund and confirm no claim has been made.
• Send email or recorded-post letter and keep proof of sending.
• Request written confirmation of cancellation and any refund figure.
• If you do not receive a satisfactory response, follow the insurer's complaints process and consider contacting the Financial Ombudsman Service.