Cancel Staysure the easy way

Overview

Staysure is a UK travel insurance provider focused on travellers over 50 and those with pre-existing medical conditions. They sell single-trip and annual multi-trip travel insurance, with levels of cover and optional extras for gadgets, winter sports and cruises.

Products and positioning

Staysure offers tiered travel insurance cover including comprehensive packages and a Signature option for higher limits. Pricing is personalised and depends on age, medical history, destination and trip duration.

Company facts

Learn more about Staysure on their official pages: staysure.co.uk and their help centre for cancellations: Staysure help - I want to cancel my policy.

Web

1. Open the Staysure help article "I want to cancel my policy": https://help.staysure.co.uk/hc/en-us/articles/4407101011985-I-want-to-cancel-my-policy.
2. Click the online cancellation request form link on that page and complete the required fields: policy number, name, reason for cancellation and contact details.
3. Submit the form and save any confirmation reference or screenshot of the submission page.
4. Expect a confirmation email; if you do not receive one within a few days, call 0333 006 3213 to confirm receipt.

iOS

1. Open Safari and navigate to the Staysure help centre cancellation page above.
2. Complete the online cancellation request form on the mobile site and submit.
3. Keep a screenshot of the confirmation screen or the confirmation email you receive.

Android

1. Open Chrome or another browser and go to the Staysure help centre cancellation page.
2. Complete the online cancellation request form and submit.
3. Save the confirmation or email; if none arrives, call 0333 006 3213 to verify.

Phone

1. Call Staysure travel insurance on 0333 006 3213.
2. Provide your policy number and request cancellation. Ask for a cancellation reference or confirmation email during the call.
3. Record the time and the name of the agent for your records.

Email / Post

1. If you prefer to put the request in writing send a letter to the address used for complaints: The Complaints Team, Staysure, Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton NN4 7YB. See the terms and complaints PDF for address details: Staysure terms and complaints.
2. Send the letter by recorded delivery and keep the receipt as proof.
3. If you send an email or use the contact form, save the outgoing message and any reply received.

Cooling-off period (change your mind within 14 days)

Rule: Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you have a 14 day cooling-off period starting the day after entering the contract for services bought online or off-premises.

How Staysure applies this: If you cancel within 14 days and you have not travelled and no claim has been made, Staysure will refund the premium in full subject to any applicable fees. See Staysure help: I want to cancel my policy.

Required proof documents: policy number, evidence of purchase date, confirmation that no travel has occurred and no claims have been submitted.

Law: Consumer Contracts Regulations 2013.

Death of the subscriber or bereavement

Rule: Staysure lists bereavement among acceptable reasons for cancellation in their help materials. If bereavement applies, Staysure may accept cancellation and consider a refund at their discretion.

Required proof documents: death certificate or other official bereavement documentation and the policy number.

Law: Consumer Rights Act 2015 protections on fair contract terms apply where a cancellation penalty seems disproportionate.

Change in policy coverage or medical underwriting

Rule: Staysure accepts that if a change in the policy leads to Staysure no longer being able to provide cover for your medical condition, this is a valid reason to cancel.

Required proof documents: notice from Staysure or medical underwriting that coverage cannot be provided, policy number and written request for cancellation.

Law: Consumer Rights Act 2015 and the company terms: see Staysure policy document.

Moving (change of residence)

Rule: Staysure does not publish a specific cancellation right solely for relocation. Use the contractual terms or request discretionary cancellation if relocation causes you to be ineligible for certain cover.

Required proof documents: Staysure does not publish required evidence for relocation; provide proof of new address and a written cancellation request. Mark evidence as "Not published by Staysure" where the provider has not published details.

Law: Consumer Contracts Regulations 2013 may not create a specific right to cancel for relocation outside the cooling-off period; escalation routes are available if you consider a term unfair.

End of commitment

Rule: Travel insurance policies are single trip or annual multi-trip. At the end of an annual policy you are free not to renew; there is no automatic long-term minimum commitment published.

Required proof documents: Not applicable for non-renewal; retain policy expiry confirmation and non-renewal request if needed.

Before you cancel: negotiate

Retention offers reported publicly: Staysure does not publish standard retention discounts or price-matching guarantees. Their documentation states discretion may be exercised in exceptional circumstances when considering refunds outside the 14 day cooling-off period.

How to ask: Call 0333 006 3213, give your policy number, explain the reason for cancellation and request a discretionary refund or a change of cover. If you are within 14 days, cite the Consumer Contracts Regulations 2013. If Staysure refuses, request written confirmation of the refusal so you have a record for escalation.

What cancelling saves you - quick math

Representative Staysure figure from published guidance: annual multi-trip policies cost £80 or more. Representative monthly equivalent for a £80 annual policy: £80 / 12 = £6.67 per month. If you pay monthly for a policy costing £80 annual the representative monthly value is £6.67 x 12 = £80.

Cheapest competitor example from published research: OK To Travel advertises policies "from as little as £0" for some policies. Comparing the representative Staysure annual figure of £80 to an OK To Travel option at £0 yields a possible saving of £80 per year: £80 - £0 = £80 per year.

Example calculation shown: Staysure representative annual £80 - OK To Travel annual £0 = £80 saved per year.

Key UK consumer law

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide a 14 day cooling-off period for services bought online or off-premises. The Consumer Rights Act 2015 requires services to be supplied with reasonable care and skill and limits unfair contract terms.

Regulator and escalation

Insurance and financial conduct are overseen by the Financial Conduct Authority and Prudential Regulation Authority. For unresolved complaints, you may refer the matter to the Financial Ombudsman Service. Citizens Advice explains cancellation rights: Citizens Advice - cancelling a service.

Auto-renewal and unfair terms

The Competition and Markets Authority flags hard-to-cancel subscription practices as potentially unfair. If Staysure's renewal or cancellation terms seem difficult or disproportionate you may raise a complaint citing CMA guidance and the Consumer Rights Act 2015.

Check refunds and final billing

After cancellation, Staysure will process any refund due under the 14 day cooling-off rules or under discretionary refund decisions. If a refund applies, ensure you receive confirmation and the amount refunded. Staysure states cancellation fees are £10 for policies under £100 or £20 for policies £100 or more when discretion is applied.

Access to records and insurance documents

Keep any confirmation emails, written letters, call reference numbers and the final policy cancellation confirmation. These documents are evidence if you escalate to the Financial Ombudsman Service.

Re-activation or new policy

If you later want cover again, obtain a fresh quote. Medical underwriting and acceptance may change over time, so disclose all relevant medical history when obtaining renewed cover.

Use this checklist to cancel and preserve your rights.

• Locate your policy number and purchase date.
• Decide method: online form, phone or recorded postal letter.
• If within 14 days, prepare to cite the Consumer Contracts Regulations 2013 when requesting a refund.
• Submit the online cancellation form at Staysure help - I want to cancel my policy and save confirmation.
• If calling 0333 006 3213 ask for a reference and the agent name; log the call time.
• If posting, send to The Complaints Team, Staysure, Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton NN4 7YB by recorded delivery and keep the receipt.
• Check for a refund or deduction: £10 (policies < £100) or £20 (policies >= £100) may apply if discretion used.
• If you do not get a satisfactory response, escalate to the Financial Ombudsman Service with your records.