Cancel Love It Cover It the easy way

Overview

Love It Cover It is a UK insurance intermediary and brand run by Pier Insurance Managed Services Limited offering mobile phone, gadget and travel insurance. The product range includes monthly rolling phone and gadget policies and travel policies with single-trip and annual multi-trip options.

Main coverage types

Core covers are mobile phone insurance, gadget insurance (including cameras) and travel insurance. Pricing varies by device model and chosen cover level. Examples from published quotes include iPhone Insurance from £5.49 per month and budget phone models from £1.65 per month.

Company facts

Official pages: Love It Cover It homepage, gadget FAQs phone and gadget FAQ.

Cancel by Email

1. Open your registered email account used to buy the policy.
2. Address the message to [email protected] for gadget and phone insurance or to [email protected] for travel insurance.
3. Include your full name, policy number, date of birth and the reason for cancellation.
4. Ask for written confirmation of the cancellation and any refund due.
5. Keep the sent message and any reply for your records.

Cancel by Phone

1. Call 01702 568081 from the policyholder phone.
2. Provide your policy number and personal details for verification.
3. State clearly you want to cancel and whether you expect a refund under the 14-day cooling-off.
4. Request a call reference or email confirmation.

Cancel by Post

1. Write a signed cancellation letter including your policy number, name and request for refund if within the cooling-off period.
2. Send to Love It Cover It, New Garrison Road, SS3 9BF Southend-on-Sea, United Kingdom by tracked post.
3. Keep the tracking receipt and proof of posting.

Online account or website

1. Love It Cover It does not publish a standard online cancellation flow. Use the email or phone routes above.
2. Use the website for quotes or new cover: Get a quote.

Cooling-off period (14 days)

Travel and other distance-sold insurance policies have a 14-day cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Love It Cover It publishes a full refund within 14 days of inception or renewal, or within 14 days of receiving the full terms and conditions, provided there are no known or pending claims. For travel policies the refund is also conditional on not having used the policy to travel.

Applicable law: Consumer Contracts Regulations 2013.

End of commitment / rolling monthly

Phone and gadget insurance is sold on rolling monthly contracts with no minimum contract period. You may cancel at any time, but for monthly direct debit smart watch insurance cancellation usually requires paying the remainder of the month.

Applicable rule: company policy as published on pricing and terms.

If a claim is ongoing

If you have an ongoing claim, cancelling your policy might invalidate the claim. Do not cancel while a claim is active if you want it to complete. Confirm with [email protected] before taking action.

Applicable rule: company-stated condition - not a statutory article.

Price increase or contract change

Love It Cover It does not publish a specific price-increase cancellation clause in the publicly available FAQs. If the premium is increased without your consent, you may rely on Consumer Rights protections for unfair contract terms and seek cancellation. Start by emailing [email protected] and keep all correspondence.

Applicable law: Consumer Rights Act 2015.

Death of the policyholder

Love It Cover It does not publish specific instructions for cancelling on the death of the policyholder. If you need to cancel for this reason, contact [email protected] and provide a copy of the death certificate and proof of your authority to act. If the company refuses, escalate to Citizens Advice or the Financial Ombudsman Service if the policy is regulated.

Applicable law: Not explicitly published by Love It Cover It; escalation channels: Financial Ombudsman Service and Citizens Advice.

Before you cancel: negotiate

Retention options published or reported: Love It Cover It publishes multi-device discounts: 20 percent off for two devices and up to 30 percent for more devices. Annual payments may offer two months free on some policies. To ask for retention offers, email [email protected], state your policy number and request a multi-device discount or an annual payment quote. If the agent on the phone makes a retention offer, request it in writing by email.

What cancelling saves you - yearly examples

Compute annual costs from published monthly prices.

• iPhone Insurance (Essential) £5.49 x 12 = £65.88 per year.
• iPhone SE (3rd Generation) £4.99 x 12 = £59.88 per year.
• Apple iPhone 17 (Premium) £5.99 x 12 = £71.88 per year.
• Apple iPhone Xs Max (Premium) £13.75 x 12 = £165.00 per year.
• Budget phone models from £1.65 x 12 = £19.80 per year.

Cheapest real alternative from competitor data: Insurance2go at £2.99 per month gives £2.99 x 12 = £35.88 per year. Example saving: canceling an iPhone Essential plan at £65.88 and switching to Insurance2go at £35.88 saves £30.00 per year (£65.88 - £35.88 = £30.00).

Consumer cancellation rights

Distance contracts are protected by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 which give a 14-day cooling-off period for services bought online or by phone. For travel insurance the company confirms a full refund is available within 14 days provided there are no claims and, for travel, the policy has not been used.

Unfair contract terms and regulator

The Consumer Rights Act 2015 protects against unfair contract terms such as disproportionate cancellation penalties. Insurance providers and intermediaries selling regulated products are subject to FCA rules to treat customers fairly. The CMA flags hard-to-cancel and unclear auto-renewal terms as potential unfair practices.

How to escalate

1) Complain to Love It Cover It in writing to [email protected] and keep copies.

2) If unresolved, complain to the Financial Ombudsman Service for regulated insurance disputes, and use Citizens Advice for additional guidance.

3) For payments made by card you may consider Section 75 or chargeback via your card issuer if the value or circumstances qualify.

Check final billing and refunds

After cancellation request, confirm whether you are entitled to a refund. Love It Cover It publishes that a full refund is available within 14 days of inception or renewal if there are no known or pending claims. For monthly direct debit cover you may still be required to pay the remainder of the month in some product types.

Data and documentation

Keep written confirmation of cancellation, the final statement of account, and any email replies. The company does not publish detailed data retention periods. If you require deletion of personal data, request it by email to [email protected] and ask for confirmation in writing.

Re-activation and new cover

If you decide to re-subscribe later, get a fresh quote at https://www.loveitcoverit.com/quote/ or check iPhone-specific products at iPhone insurance.

Claims after cancellation

Do not cancel while a claim is ongoing. The company warns cancelling may invalidate a claim in progress.

Follow this checklist to cancel and preserve your rights.

• Find your policy number and policy start/renewal date.
• Email [email protected] (or [email protected] for travel) from the registered address with "Cancellation request" in the subject and include policy number, name and desired cancellation date.
• If you call 01702 568081, ask for a reference number and request written confirmation by email.
• If sending a letter, use tracked post to Love It Cover It, New Garrison Road, SS3 9BF Southend-on-Sea, United Kingdom and keep tracking evidence.
• Request confirmation of any refund and the amount. If within 14 days, quote Consumer Contracts Regulations 2013 for a refund.
• Do not cancel during an open claim unless you accept it may be invalidated.
• If the company continues to charge after cancellation, contact your card issuer for chargeback and complain to the Financial Ombudsman Service if unresolved.