How To Cancel Your Unoccupied Home Insurance Policy

A lady delighted at her refund when cancelling her Insuristic Unoccupied Home Insurance Policy

Cancelling your Policy

We are unlike many Insurance Brokers.

If you cancel early and haven't claimed:

  • There are no cancellation fees.
  • You will receive a pro-rata refund reflecting the value of cover you have left.

Important: A Note for Home Sellers

If you are cancelling because you are selling the property, please do not cancel your policy until the sale has legally completed.

Property sales are frequently subject to last-minute delays. If you cancel in advance of your expected completion date and the sale falls through or is delayed by 24 hours, you could be left uninsured.  It is far safer to cancel once you have received confirmation of completion.

How to Request a Cancellation

You can request to end your cover in one of two ways:

  1. Click the 'Cancel Your Policy' Button: Use the button below to open our secure cancellation form.

  2. Reply to Your Emails: Simply reply to any of the quote or policy emails we have sent you.

Once received a member of our team will email you as soon as is reasonably possible.  Please allow us 48 hours to respond.

What Information Do We Need?

To process your request quickly and ensure any applicable refund is calculated correctly, please provide:

  • The Reason for Cancellation: (e.g., Property sold, property now tenanted, you have moved back in, you have changed your mind, etc.).

  • The Effective Date: The specific date and time you wish the cover to end.

  • No Claims Confirmation: Please confirm that you have not made a claim.

Refunds & Fees

  • Pro-Rata Refunds: We will refund the unused portion of your premium for the remainder of the policy term (provided no claims have been made).  Payment will be credited to the card you used for payment, and from the date we processed the cancellation, it may take up to 5 working days to appear in your account.

  • No Admin Fees: Insuristic does not charge a fee to cancel your policy. You only pay for the cover you have used.

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Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599.  This can be checked by visiting https://register.fca.org.uk/s/

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Important: A Note for Home Sellers

If you are cancelling because you are selling the property, please do not cancel your policy until the sale has legally completed.

Property sales are frequently subject to last-minute delays. If you cancel in advance of your expected completion date and the sale falls through or is delayed by 24 hours, you could be left uninsured.  It is far safer to cancel once you have received confirmation of completion.

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