Cancel AO Care Plan the easy way

Service summary

AO Care Plan is an appliance protection and insurance-style policy for household products sold via AO. The policy is underwritten by Domestic & General Insurance PLC and provides cover for repair or replacement after the manufacturer warranty ends.

How it is sold

AO Care is sold as a monthly Direct Debit plan or as continuous cover when purchased with an appliance on AO.com. Pricing is tailored to the product and not published on the AO Care public pages.

Who runs it

The operator is Careplan Health Technologies Inc., founded in 2020 by Corey Persic and headquartered in Toronto, Canada.

Official company registration information is available via the UK company register and legal references for cancellation rights are available from UK legislation. See Companies House - Careplan Health Technologies Inc.

Phone

1. Call 0800 561 4496 (available 24 hours a day, 7 days a week).
2. Tell the agent you want to Cancel your AO Care Plan and provide policy details or the appliance order number.
3. Ask for a cancellation reference number and a confirmation email or letter; note the date and time.
4. If you receive no confirmation, send a follow-up registered letter to the address below.

Web / My Account

1. Sign in to My Account on the AO Care customer site.
2. Locate the policy area and download the cancellation form.
3. Complete the form clearly with your policy number and sign it electronically or by hand as required.
4. Submit the form through the portal or send it by post if the portal requires.

Post

1. Write a cancellation letter stating "I wish to Cancel my AO Care Plan" including your full name, address, policy or order number and signature.
2. Send by Royal Mail Signed For to: AO Care Plan, 5A The Parklands, BL6 4SD Bolton, United Kingdom.
3. Keep the proof of postage and the signed-for receipt as evidence.

Bank instruction

1. Contact your bank and request cancellation of the Direct Debit Instruction to AO Care.
2. Tell AO Care by phone or post that you have instructed your bank to cancel so the policy can be closed correctly.
3. Keep bank confirmation and any AO Care reply. If you cancel Direct Debit without notifying AO Care, the policy may remain active until AO Care processes your cancellation according to their terms.

Moving / change of address

If you move permanently and your new address is outside the policy area AO Care accepts, provide proof of new address such as a utility bill or tenancy agreement plus the effective move date. AO Care’s terms require you to notify them; the applicable law is the Consumer Contracts Regulations 2013 for notification of changes affecting contract performance.

Price increase

If AO Care increases the premium you have the right to cancel during the notice period they must give. AO Care provides 30 days notice of any premium increase; if you cancel during that notice you are entitled to a pro rata refund for unused days. This right is supported by the Consumer Rights Act 2024 and AO Care’s terms which state a pro rata refund on cancellation within a notice period.

Death of subscriber

In case of the policyholder's death, submit a copy of the death certificate and proof of authority (executor details). AO Care’s terms allow termination on death with refund of unused premium where applicable.

Legitimate grounds accepted by AO Care Plan

AO Care accepts cancellation for replacement of the product (if they provide a replacement the policy ends and no refund is due), changes to terms, or where statutory cooling-off applies. If AO Care provides a replacement or settlement the policy automatically ends and the full premium is due where specified in their terms.

End of commitment

When a minimum commitment period ends (if specified on your contract) you can cancel at the end of that period. The minimum commitment length is not publicly disclosed by AO Care; check your policy documents for exact dates.

Cooling-off

You have a cooling-off right of 14 or 45 days depending on which policy you bought. If you cancel within the cooling-off period you receive a refund of any fee paid. If you cancel after the cooling-off period no refund is issued and the policy remains until the end of the period already paid for. The statutory cooling-off rules derive from the Consumer Contracts Regulations 2013 and the Consumer Rights Act 2024. See Consumer Rights Act 2024 - cooling-off rights.

Before you cancel: negotiate

AO Care does not publish standard retention offers publicly. To seek a retention offer call 0800 561 4496, explain why you want to Cancel and request a reduced premium or a change of cover level. If AO Care proposes a solution, ask for the offer in writing with the new monthly amount and effective date. There is no published list of retention discounts available from AO Care in the research data.

What cancelling saves you - numerical example and cheapest alternative

AO Care monthly pricing is not publicly disclosed. Compare known alternatives and their annual costs:

• Bupa Well+ Bronze - £15.00 x 12 = £180.00 per year
• Simplyhealth 1-2-3 Health Plan - £23.00 x 12 = £276.00 per year
• Westfield Health Good4you Level 1 - £7.63 x 12 = £91.56 per year
• Curela 365 Solo - £4.99 x 12 = £59.88 per year
• Thriva Compass - £40.00 x 12 = £480.00 per year

If your AO Care monthly premium is higher than £4.99, switching to Curela 365 Solo would cost £4.99 monthly or £59.88 annually, giving a saving equal to (Your AO Care monthly x 12) - £59.88. Because AO Care does not publish monthly rates, compute your saving by plugging your AO Care monthly figure into that formula. The cheapest real alternative shown here is Curela 365 Solo at £4.99 monthly (£59.88 per year).

Key laws and regulator

Your primary rights come from the Consumer Rights Act 2015 for services quality and the Consumer Rights Act 2024 for cooling-off and subscription cancellation rights. For cancellation disputes with AO Care you can escalate to the Financial Ombudsman Service if the complaint concerns an insurance policy as underwritten by Domestic & General Insurance PLC.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off right for most contracts concluded online or off-premises. AO Care also documents cooling-off periods of 14 or 45 days depending on the policy. Cancellation becomes effective when you notify the trader clearly, as stated in the Consumer Rights Act 2024. See the wording for cooling-off rights at legislation.gov.uk.

Escalation steps

1. Complain to AO Care in writing and keep evidence. 2. If unresolved, contact the Financial Ombudsman Service for insurance disputes. 3. For payment disputes, consider Section 75 or chargeback with your card issuer if the purchase qualifies. Citizens Advice can help locate the correct escalation route. The Competition and Markets Authority flags unclear auto-renewal terms and hard-to-cancel subscriptions as potential unfair practices.

Access and final bill

Keep copies of your cancellation confirmation, the cancellation reference number, and any final statement showing the end date of cover. If you cancelled inside the cooling-off period you should receive a refund for fees paid; if cancelled outside cooling-off your cover typically remains until the end of the period you already paid for.

Data and reactivation

Ask AO Care whether they will retain your data and for how long. If you later want cover again, you can request to re-enrol; new underwriting or different premiums may apply. If AO Care replaces your product or pays a settlement the policy usually ends automatically per their terms.

Use this checklist to cancel and protect your position.

• Call 0800 561 4496 and request cancellation reference; note date and time.
• If you prefer written evidence, send a signed cancellation letter by Royal Mail Signed For to AO Care Plan, 5A The Parklands, BL6 4SD Bolton, United Kingdom.
• If within 14 or 45 day cooling-off, request a full refund and note the refund timescale in writing.
• If your bank cancels the Direct Debit, also notify AO Care by phone or post to ensure the policy is closed.
• Keep proof: call notes, confirmation email, signed-for receipt and any bank messages.
• If AO Care issues a premium increase notice, decide within the notice period whether to cancel and request a pro rata refund for unused days.
• If you have a dispute, file a written complaint and then escalate to the Financial Ombudsman Service if unresolved.