Cancel Loveit Coverit the easy way

Overview

Loveit Coverit is the trading name of Pier Insurance Managed Services Limited, a UK-based provider of mobile, gadget and travel insurance. The brand offers rolling monthly or annual policies that cover loss, theft and accidental damage for phones and gadgets, plus multi-level travel insurance products.

Who it serves

The service targets individuals in the United Kingdom who want affordable gadget or travel cover and flexible payment options. Device cover options include basic and premium levels with excess fees that vary by device value.

Company facts

Official product and policy documents are published by Loveit Coverit, for example gadget product information and travel IPID documents are available on their site.

Official site Gadget IPID Travel IPID (Essential)

Web

1. Go to https://www.loveitcoverit.com/quote/ or the main site and look for contact or policy management options.
2. If a cancellation form is not available, prepare an email from the address registered to the policy requesting cancellation.
3. Save any auto-generated reference or confirmation.

iOS

1. No published in-app cancellation flow. If you purchased via an app store, check the app store purchase record.
2. Email [email protected] from the registered address and quote your policy number.

Android

1. No published in-app cancellation flow. If you purchased via Google Play, check purchase history.
2. Email [email protected] from the registered address and quote your policy number.

Phone

1. Call 01702 568081 for gadget insurance cancellations.
2. For travel cancellations and queries use the travel contact lines or the travel email [email protected].
3. Ask the agent for an email confirmation or reference number and note the exact time and name of the agent.

Email

1. Send cancellation requests from the email address registered to the policy to [email protected] for gadgets or [email protected] for travel policies.
2. Include your policy number, full name, and date of birth and state "Cancel my policy effective immediately."
3. Save the reply as proof.

Post

1. Write a clear cancellation letter including policy number, full name and requested cancellation date.
2. Send by registered post to Loveit Coverit, 7-10 Chandos Street, W1G 9DQ London, United Kingdom.
3. Keep proof of postage and any reply you receive.

Cooling-off period (14 days)

Rule: You have 14 days to cancel from policy inception/renewal or from receipt of the full terms and conditions, whichever is later, with a full refund if no travel has been taken and no claims are known or pending. Evidence required: proof of purchase date (policy schedule), proof that no travel has occurred for travel policies or declaration that no claims are known or pending. Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

After 14 days (no refund)

Rule: If you cancel more than 14 days after inception/renewal, Loveit Coverit publishes that no premium refund will be made. Evidence required: cancellation request and your policy schedule. Applicable law: Rights under the insurance contract and the insurer's published terms.

Automatic renewal - stop before renewal

Rule: For annual multi-trip travel policies you must contact Loveit Coverit at least 21 days before the policy expires to stop automatic renewal; if no notice is received the policy will renew automatically. Evidence required: written request or email recorded before the 21 day deadline. Applicable law: Consumer Contracts Regulations 2013 and CMA guidance on auto-renewal.

Cancel because of price increase

Rule: If Loveit Coverit increases the price mid-term and you have a contractual right to cancel for that change, use the published contact channels and quote the policy and increase notice. Evidence required: the insurer's price increase notice and your cancellation request. Applicable law: Consumer Rights Act 2015 where terms that impose unfair penalties may be challenged.

Death of the policyholder

Rule: If the policyholder dies, the policy can be cancelled and a refund assessed according to the insurer. Evidence required: a copy of the death certificate and the policy schedule. Applicable law: standard insurance contract practice; escalate to insurer with documentation.

Legitimate ground accepted by Loveit Coverit

Rule: Loveit Coverit accepts standard reasons such as switching to another insurer, sale of the insured item, or permanent relocation out of cover area subject to terms. Evidence required: sale receipt, proof of new insurance, or proof of relocation. Applicable law: Consumer Rights Act 2015 for service performance with reasonable care and skill.

Before you cancel: negotiate

Retention offers reported: research does not publish a standard retention discount offer, but customer reports show agents sometimes reviewed premiums and corrected billing issues. To ask for retention, call 01702 568081 or email [email protected], explain you intend to cancel, state the competing price you found, and request a written counteroffer. If cancelling a travel annual multi-trip policy, email [email protected] from the registered email and mention automatic renewal concerns.

What cancelling saves you - example calculations

Using published monthly prices: iPhone SE (3rd Gen) costs £4.99 per month. Yearly cost calculation: £4.99 x 12 = £59.88 per year. iPhone 16 128GB Essential costs £5.49 per month. Yearly cost: £5.49 x 12 = £65.88 per year. Apple iPhone 17 256GB Premium costs £5.99 per month. Yearly cost: £5.99 x 12 = £71.88 per year. Apple iPhone Xs Max 512GB Premium costs £13.75 per month. Yearly cost: £13.75 x 12 = £165.00 per year.

Cheapest real alternative from competitors: LV= listed price is £9.92 per month or £119 per year. Comparison: cancelling an iPhone 16 policy at £5.49/month saves £65.88/year; switching to LV= at £9.92/month would cost £119.00/year, which is an increase of £53.12 when compared to Loveit Coverit £65.88/year.

Key UK consumer law

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide a 14 day cooling-off period for distance contracts. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill and bans unfair contract terms. Insurance providers are regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Auto-renewal and unfair practices

The Competition and Markets Authority treats hard-to-cancel subscriptions and unclear auto-renewal terms as potentially unfair. For annual multi-trip policies Loveit Coverit requires contact 21 days before expiry to stop automatic renewal for travel; automatic renewal for travel can be cancelled at any time after purchase by phone or emailing [email protected]. For gadget insurance automatic renewal can be cancelled by calling 01702 568081 or emailing [email protected].

How to escalate

Step 1: Complain in writing to Loveit Coverit and keep records. Step 2: If unresolved, complain to Citizens Advice for guidance and, for regulated insurance disputes, the Financial Ombudsman Service. For card payments consider Section 75 or a chargeback through your card issuer. Cite the Consumer Contracts Regulations 2013 and the Consumer Rights Act 2015 in your complaint where applicable.

Check final billing and refunds

If you cancelled within 14 days, request a full refund and confirm the refund method. If cancelling after 14 days, Loveit Coverit publishes that no premium refund will be made. For travel cancellations after cover was used, expect no refund. For refunds contact [email protected] or the travel email [email protected].

Data and documentation

Save the cancellation confirmation email, any reference number, and proof of posting if sent by registered letter. Ask Loveit Coverit for a final policy statement showing the cancellation date. If you need to prove cancellation later, provide the written confirmation and timestamps.

Reactivation and switching

If you want to re-activate cover, request a new quote at https://www.loveitcoverit.com/quote/. If you switch to another insurer, retain evidence of the new policy and the start date to avoid gaps in cover.

Use this checklist immediately when you decide to cancel.

• Locate your policy schedule and policy number.
• If within 14 days, prepare an email stating "Cancel my policy effective immediately" and send from the registered email to [email protected] or [email protected].
• If cancelling auto-renewal for annual travel, contact Loveit Coverit at least 21 days before expiry.
• Call 01702 568081 and request written confirmation if you prefer phone cancellation.
• If posting, send a registered letter to Loveit Coverit, 7-10 Chandos Street, W1G 9DQ London and keep proof of postage.
• Save all replies and confirm any refund amounts; within 14 days a full refund is published when no travel has occurred and no claims are known or pending.