Cancel Cinch Care the easy way

Service overview

Cinch Care, traded as cinchCare, is a vehicle care plan product that offered warranty-style cover plus servicing and breakdown support. Existing plans include lifetime warranty elements, breakdown cover and scheduled servicing depending on the mileage band.

Availability and status

CinchCare plans are no longer available for new purchases; existing plans continue under their terms and prices are guaranteed for the first three years (35 monthly Direct Debit payments). After three years prices may change on renewal. Details are published by Cinch on their help and terms pages.

Quick facts

By phone

1. Call RAMP on 0330 0947 270 (Monday to Friday, 9am to 5pm).
2. Provide your plan details: plan holder name, vehicle registration, plan start date and Direct Debit reference if asked.
3. Tell the agent you want to cancel your cinchCare plan and request written confirmation by email or post.
4. Record the time and agent name for your records.

By email

1. Send an email to [email protected] with subject line "Cancel cinchCare plan" and include your name, vehicle registration and plan start date.
2. Attach a scanned copy of any identification or Direct Debit mandate if available.
3. Keep the automatic reply and any confirmation email as proof.

By post

1. Write a signed cancellation letter including your full name, address, vehicle registration and plan details.
2. Send it by registered post to Cinch Care, RAMP, PO Box 1193, DN1 9QD Doncaster, United Kingdom or to Repair and Maintenance Plans Limited, Ground Floor, 21 Commerce Road, Lynch Wood, Peterborough, PE2 6LR as given in the help pages.
3. Keep the proof of posting and the postal delivery receipt.

Using the cancellation form in the Terms

1. Open the cinchCare Terms and Conditions and complete the cancellation form included at the end: Terms and Conditions.
2. Email the completed form to [email protected].
3. Keep the sent email and any confirmation as proof of cancellation.

Cooling-off (14 day Cancellation Period)

If you cancel within the 14-day Cancellation Period (which starts the day after the Start Date in your Plan Schedule or vehicle handover) the agreement is treated as if it never existed and you will receive a full refund of any payment made. The trader must reimburse all payments within 14 days of being informed of the cancellation under The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. See Citizens Advice guidance and the legislation at legislation.gov.uk.

Price increase

Cinch states that plan prices are guaranteed for the first three years (35 monthly Direct Debit payments). If a price rises after those guaranteed payments, Cinch's published terms explain price may change on renewal. Specific automatic cancellation rights on price increase are not publicly disclosed by Cinch Care; if you consider a unilateral significant price rise to be unfair contact Citizens Advice and follow the escalation steps below.

Moving / relocation

Cinch Care's published material does not set out special rules for cancellation due to moving. The general right to cancel at any time exists, but required proof for relocation is not publicly disclosed by Cinch Care.

Death of the subscriber

Cinch Care's public help pages do not specify a death-of-subscriber process or required documents. For account closure on bereavement, supply a death certificate and contact RAMP or Cinch via the channels above; the company has not publicly disclosed a formal process.

Legitimate ground accepted by Cinch Care

Cinch's help pages state you can cancel the agreement at any time. Beyond the statutory 14-day Cooling-off rights, additional specific legitimate grounds accepted by Cinch Care are not publicly disclosed by the provider.

End of commitment

If you are outside the 14-day Cancellation Period your agreement and benefits terminate at the end of the day before the due date of your next Direct Debit payment after you give notice to cancel. If a Direct Debit payment is collected after you gave notice it will be refunded within 28 days, per Cinch Help guidance.

Applicable law

Cooling-off rights are set out in The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Services must be performed with reasonable care and skill under the Consumer Rights Act 2015. For unfair auto-renewal terms the CMA guidance applies.

Before you cancel: how to negotiate

Cinch's help pages do not list retention offers or discounts. No specific retention offers are publicly reported by Cinch Care. To try to keep cover, call RAMP on 0330 0947 270, explain why you want to cancel and ask whether any alternative pricing, payment arrangements or plan amendments are available. If you email [email protected] request written confirmation of any offer and note the agent name and date.

What cancelling saves you - yearly cost comparison

Compute annual cost as monthly price times 12.

cinchCare (up to 12,000 miles/year): 34.99 x 12 = £419.88 per year.

cinchCare (12,001 to 16,000 miles/year): 38.99 x 12 = £467.88 per year.

cinchCare (16,001 to 20,000 miles/year): 42.99 x 12 = £515.88 per year.

cinchCover scratch and dent: £245 for 36 months (paid in 10 monthly instalments) equals an advertised policy price of £245 total for 36 months.

Cheapest listed competitor: ServicePro at £9.99 monthly = £9.99 x 12 = £119.88 per year. Savings if you switch to ServicePro:

• Vs £419.88 plan: 419.88 - 119.88 = £300.00 saved per year.
• Vs £467.88 plan: 467.88 - 119.88 = £348.00 saved per year.
• Vs £515.88 plan: 515.88 - 119.88 = £396.00 saved per year.

Key laws and regulator

The main rights are in The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (14-day cooling-off) and the Consumer Rights Act 2015 (services performed with reasonable care and skill; unfair contract terms). Citizens Advice provides step-by-step guidance for cancelling services: Citizens Advice.

Refund timelines and methods

If you cancel within the 14-day Cancellation Period the trader must reimburse payments within 14 days under the Consumer Contracts Regulations. Cinch Help confirms refunds for cancellations within the 14-day period are made within 14 days. If a Direct Debit is collected after you give notice it will be refunded within 28 days per Cinch help text.

Escalation steps

1. Complain to Cinch / RAMP using the contact channels above and keep your evidence. 2. If unresolved, seek independent help from Citizens Advice. 3. For qualifying card payments, consider Section 75 or a card chargeback via your card issuer. 4. For unfair contract or auto-renewal conduct, report concerns to the Competition and Markets Authority (CMA).

Check confirmation and refund dates

Keep any confirmation email or letter from RAMP/Cinch. If you cancelled within the 14-day Cancellation Period expect a full refund within 14 days. If a Direct Debit is taken after your cancellation notice the amount will be refunded within 28 days according to Cinch help.

Final billing and Direct Debit

If you cancel after the 14-day period the agreement terminates at the end of the day before the next Direct Debit payment. Check your bank for any collected Direct Debits and request refunds promptly if collected after notice. Contact your bank if a refund is not returned within published timeframes.

Data and re-activation

Ask Cinch/RAMP whether they will retain your contact details and whether you can re-activate a plan in the future. Existing plan rights and any price guarantees apply only to the original plan terms; re-activation terms are not publicly disclosed by Cinch.

Follow this checklist when cancelling to preserve your rights and proof.

• Call RAMP on 0330 0947 270 (Mon-Fri, 9am-5pm) or email [email protected] to notify cancellation.
• If using post, send a signed cancellation letter to Cinch Care, RAMP, PO Box 1193, DN1 9QD Doncaster, United Kingdom and keep proof of posting.
• Complete and return the cancellation form at the end of the cinchCare Terms and Conditions if you prefer a formal form: Terms and Conditions.
• Keep all confirmations, agent names and timestamps.
• Monitor your bank for refunds: within 14 days for cancellations in the 14-day period; 28 days if a Direct Debit is collected after notice.
• If refused a lawful refund, contact Citizens Advice and consider Section 75 or a chargeback for card payments.