Cancel Protect Your Bubble the easy way

Overview

Protect Your Bubble is a UK gadget insurance provider trading as Assurant General Insurance Limited that sells monthly insurance for phones, tablets and other portable devices. The service covers accidental damage, mechanical breakdown and optional theft or loss depending on the plan.

Who it is for

The product targets owners of relatively new gadgets and mobile phones and renters who want device cover separate from home insurance. The company is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority under registration number 202735.

Company facts

Phone

1. Call 0330 333 4792, Monday to Friday 8am to 6pm.
2. Provide your policy number and personal details for verification.
3. Clearly say Cancel and ask for the cancellation effective date and whether refund applies.
4. Record agent name, time and confirmation reference. Keep this for disputes.

Email

1. Compose a clear email to [email protected] with subject line 'Cancel policy - [policy number]'.
2. Include full name, address, phone, policy number and the date you want cancellation to take effect.
3. Request written confirmation of cancellation and any refund due under the 14 day cooling-off period.
4. Save sent email and any reply as proof.

Post

1. Write a signed letter with your full name, address, policy number and statement 'Please cancel my policy'.
2. Send by signed for or recorded delivery to Protect Your Bubble, PO Box 1033, Uxbridge, UB8 9PX.
3. Keep the proof of posting and wait for written confirmation from the insurer.

Online help / web

1. Visit the help pages at https://www.protectyourbubble.com/help-support.
2. Follow the contact options to call or email. There is no direct self-serve cancellation form published.
3. Use the contact page for queries: contact us.

Cooling-off period (14 days)

Rule: You may cancel within 14 days of receiving your insurance documents and receive a full refund of premiums paid. Required proof: date you received documents (email or post) and policy number. Applicable law: Consumer Contracts Regulations 2013.

End of month cancellation after cooling-off

Rule: If you cancel after the first 14 days, the policy will be cancelled at the end of the current month and no refunds will be given at cancellation. Required proof: confirmation of the cancellation request (phone note, email or recorded delivery receipt). Applicable law: Contract terms outlined in insurer documents and Consumer Rights Act 2015 for fairness of terms.

Moving address or moving abroad

Rule: If you move address, notify Protect Your Bubble and request cancellation if cover is not required. Required proof: new address documentation (utility bill, tenancy agreement) and policy number. Applicable law: Consumer Rights Act 2015 regarding reasonable performance and contact changes.

Price increase

Rule: If Protect Your Bubble raises your premium and you object, you may cancel if the insurer treats the change as a contract variation. Required proof: notice of increase showing effective date. Applicable law: Consumer Rights Act 2015; escalate using the Financial Ombudsman Service if dispute remains.

Death of the policyholder

Rule: Policies can be cancelled on death of the policyholder. Required proof: death certificate and proof of authority from the executor or next of kin plus policy number. Applicable law: Consumer Rights Act 2015.

Legitimate grounds accepted by Protect Your Bubble

Rule: Protect Your Bubble accepts requests for cancellation in standard circumstances such as within the 14 day cooling-off period, change of address, or death. Required proof: see above and the insurer terms. Applicable law: Consumer Contracts Regulations 2013 and Consumer Rights Act 2015.

Before cancelling: negotiate

Retention offers known: public sources do not report specific retention discounts offered by Protect Your Bubble. If you want to ask for a retention offer, call 0330 333 4792 during opening hours, explain why you want to cancel (price, duplicate cover), ask for any available discount or alternative plan, and request any offer in writing. If no offer is available, proceed to cancel using the steps above.

What cancelling saves you - real math

Example calculation using a real plan from Protect Your Bubble:

Plan: Single Gadget Insurance (iPhone 17 256GB with loss cover) = £8.99 per month.

Yearly cost: 8.99 x 12 = £107.88 per year.

Cheapest competitor from research: Gadgetsure.co.uk = £2.09 per month = 2.09 x 12 = £25.08 per year.

Yearly saving if you switch: 107.88 - 25.08 = £82.80 per year.

Other sample prices from Protect Your Bubble for reference: Single gadget without loss £5.99/month, iPhone 17 512GB with loss £10.49/month, Multi-gadget 3 items £16.99/month, additional gadget £2.50/month, loss cover per item £1.50/month.

Regulation and consumer law

Protect Your Bubble is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 202735. Consumer Rights Act 2015 requires services to be performed with reasonable care and skill and prohibits unfair contractual terms.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14 day cooling-off period for contracts concluded online or off-premises. If you cancel within 14 days you are entitled to a full refund. If you downloaded digital content with your express consent and lost the right by immediate performance, that exception applies.

Auto-renewal and unfair practices

The Competition and Markets Authority (CMA) treats hard-to-cancel subscriptions and unclear auto-renewal terms as potentially unfair. If Protect Your Bubble imposes unclear renewal terms, you can complain to Citizens Advice and escalate to the Financial Ombudsman Service.

Escalation steps

Make a formal complaint to Protect Your Bubble via their help pages or contact details. If the final response is unsatisfactory, you may refer the complaint to the Financial Ombudsman Service. For payments on a card, you may be eligible for chargeback via your card issuer or protection under Section 75 for qualifying purchases. The Financial Services Compensation Scheme covers valid claims if the firm is insolvent.

Confirm cancellation and refunds

Keep written confirmation of cancellation and any refund calculation. If you cancelled within 14 days, expect a full refund as stated in the insurer terms. If you cancelled after 14 days, confirm the policy end date (end of the current month) and confirm no further Direct Debit collections.

Data and access

Request a record of any personal data held about you if you want it removed. Contact [email protected] and request data deletion or a copy of data under UK data protection rules.

Re-activation and replacement cover

If you want to restart cover later, get quotes before re-activating. Check that items remain eligible: Protect Your Bubble limits cover on older devices and may refuse cover for items not considered 'relatively new'.

Use this checklist to cancel cleanly and keep proof.

• Find your policy number and insurance documents.
• If within 14 days, cancel immediately to secure a full refund.
• Call 0330 333 4792 and note agent name and confirmation reference.
• If emailing, send to [email protected] and keep the sent message.
• If posting, use recorded delivery to Protect Your Bubble, PO Box 1033, Uxbridge, UB8 9PX and keep proof of postage.
• Confirm the cancellation effective date and whether any refund applies.
• Cancel any related Direct Debit with your bank if payments continue after confirmation.
• Save all written replies and take screenshots of help pages used.