Cancel Homelet the easy way

Overview

HomeLet provides tenant insurance, tenants liability cover and landlord insurance services for the UK private rented sector. HomeLet supports letting agents, landlords and tenants with products such as Tenants Liability Insurance and combined contents and liability policies.

Who runs HomeLet

HomeLet is operated by Barbon Insurance Group Limited and is part of PIB Group Limited. Headquarters are in Lincoln, United Kingdom. The business was founded in 1995 and employs about 300 people.

Where HomeLet fits

HomeLet focuses on tenant products and landlord insurance distribution for agents and landlords. Tenant policies are underwritten by Ageas Insurance Limited and Propgen Insurance Limited as stated in HomeLet documentation.

Web

1. Visit the HomeLet cancellation and help pages. See official cancellation page.
2. Follow the online instructions to submit a written cancellation or use the contact form.
3. Keep a copy of your submission and any confirmation email from HomeLet.

Phone

1. Call 0800 035 8258 and select option 3 for cancellations. For overseas call +441522838514.
2. Provide your policy number, full name and address to the representative.
3. Request a confirmation reference or email confirming the cancellation and any refund calculation.

Email

1. Email HomeLet via their contact channels or to the insurer contact provided in your policy wording. The support email for Barbon is [email protected].
2. Include policy number, full name, address and clear statement: Cancel my policy from [date].
3. Save a copy of the sent email and any reply.

Post

1. Write a signed cancellation letter that includes your policy number, full name, address and the effective cancellation date.
2. Send by recorded delivery to: Homelet, 3 Burrs Road, CO15 4LE Clacton-on-Sea, United Kingdom.
3. Keep proof of postage and request written acknowledgement from HomeLet.

Cooling-off period (change of mind)

Rule: You have a 14 day statutory cooling-off period from the date you receive policy documents or from the policy start date, whichever is later, to cancel and receive a full refund provided no claim has been made and no incident has occurred that could give rise to a claim.

Required proof: copy of policy documents receipt date, policy number and statement that no claim has been made. Law: Consumer Contracts Regulations 2013.

Moving address

Rule: If you move and the risk address changes, HomeLet treats this as a midterm adjustment. Midterm adjustments that change the risk address or cover incur a fee for tenant insurance policies.

Required proof: new address, tenancy documents or completion evidence. Fee: £30 for midterm adjustment for tenant insurance where applicable (outside cooling-off period).

Price increase

Rule: If HomeLet increases the price or changes cover, you can review the policy and cancel if the variation is unacceptable. Cancellation rights derive from contract terms and consumer law where an unfair change may be challenged.

Required proof: notification from HomeLet showing the increase and effective date; your policy number. Law: Consumer Rights Act 2015 and general contract law; escalate to the Financial Ombudsman Service if needed.

Death of policyholder

Rule: Policies may be cancelled on the death of the policyholder. Contact HomeLet with the policy number and a copy of the death certificate to discuss termination and any refund due.

Required proof: death certificate and executor or next of kin contact details. Law: Contract law and insurer terms.

Legitimate grounds accepted by HomeLet

Rule: HomeLet will not return premium if a valid claim has been made or an incident has occurred that could give rise to a claim. If there is a default in direct debit payment HomeLet may cancel the policy and a refund may not be due.

Required proof: claim records or confirmation of an incident. Source: HomeLet policy wording.

End of commitment

Rule: Where policies have a 12 month term, the policy reaches natural expiry after 12 months. For monthly payment plans the policy auto-renews unless you opt out.

Required proof: policy documents showing term and renewal terms.

Before you cancel: negotiate

Retention offers reported in public HomeLet documentation are not listed. There is no publicly disclosed list of retention discounts or specific offers. To request a retention or discount, call 0800 035 8258 (option 3) and state you would like a retention offer because you are considering cancellation. Provide policy number, current price and your preferred alternative price. Keep the name of the agent and any offer in writing.

What cancelling saves - yearly maths

Use these published prices to compute yearly cost if you pay monthly versus the published annual price.

Tenants Liability Insurance monthly: £11.49 x 12 = £137.88 per year. Published annual price: £102. Savings if you pay annually instead of monthly: £137.88 - £102 = £35.88 per year.

Tenants Contents + Tenants Liability monthly: £13.99 x 12 = £167.88 per year. Published annual price: £132. Savings if you pay annually instead of monthly: £167.88 - £132 = £35.88 per year.

Admin fee for monthly payments: £2.99 per month. This adds £2.99 x 12 = £35.88 per year to monthly payments.

Cheapest real alternative from competitors: RentFig at £9 monthly or £88 annual. RentFig monthly to annual math: £9 x 12 = £108; published annual price: £88.

Key consumer laws and regulator

Consumers in the United Kingdom are protected by the Consumer Contracts Regulations 2013 which provide a 14 day cooling-off period for most contracts concluded online or off-premises. The Consumer Rights Act 2015 protects against unfair contract terms and requires services to be performed with reasonable care and skill. The Financial Conduct Authority regulates conduct in the insurance and financial services sector. For disputes, use the Financial Ombudsman Service.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 give a 14 day statutory right to cancel and receive a refund where the contract was concluded online or off-premises. HomeLet confirms this 14 day period in its policy information. If you cancel during the cooling-off period and no claim has been made, you are entitled to a refund subject to the insurer retaining any proportion for cover provided up to cancellation.

Escalation steps

1. Complain to HomeLet in writing first, providing policy details and desired outcome.

2. If unresolved, escalate to the Financial Ombudsman Service for insurance complaints.

3. For card payments, consider Section 75 protection or card chargeback with your card issuer where eligible.

Other protections

The Competition and Markets Authority monitors unfair auto-renewal and hard-to-cancel subscription practices. If HomeLet applied unclear auto-renewal terms you may report concerns to the CMA or seek advice from Citizens Advice.

Check final bill and refund

Ask HomeLet for a written final premium calculation and any refund due. For cancellations during the 14 day cooling-off period you are entitled to a full refund if no claim has been made. If your cancellation is outside the cooling-off period expect a proportional refund for unused time, unless a valid claim has been made. HomeLet will not refund amounts under £5 unless specifically requested.

Access to documents

Download or request a copy of your policy schedule, cancellation confirmation and claims record. Keep the confirmation email or postal acknowledgement for 6 months in case of disputes.

Data and reactivation

Ask HomeLet how they will store your personal data after cancellation. If you want to reinstate cover, ask for the process and whether underwriting terms or prices have changed since your last policy.

Use this checklist to cancel and protect your rights.

• Locate your policy number and documents.
• Decide cancellation date and whether you are within 14 day cooling-off period.
• Call 0800 035 8258 (option 3) for fastest processing and request a confirmation reference.
• Or send a signed cancellation letter by recorded delivery to Homelet, 3 Burrs Road, CO15 4LE Clacton-on-Sea, United Kingdom and keep proof of postage.
• If you want a refund, ask for a final premium calculation and request the refund method (bank transfer or credit card).
• If refund is under £5, specifically request the refund in writing because HomeLet will not refund amounts under £5 unless requested.
• If unhappy with the outcome, escalate your complaint to the Financial Ombudsman Service after exhausting HomeLet complaints procedures.