Cancel More Than: Your Step-by-Step Guide

How to cancel your More Than insurance policy in the UAE and protect your rights

Why you might want to cancel More Than and what you should know first

More Than is an insurance provider offering home, pet, and related coverage across the UAE. You might decide to cancel your policy for many reasons: you have found more competitive pricing, your life circumstances have changed, you are relocating, or you simply want to switch to a different insurer. Whatever your reason, you deserve a straightforward cancellation process backed by your consumer rights.

Before you take action, understand that cancelling your policy is your legal right as a consumer in the United Arab Emirates. The process requires you to contact More Than directly, as there is no online cancellation option available through your account. Tocancel exists to walk you through this process step by step, ensuring you protect yourself and avoid costly delays or mistakes.

What this guide covers

This guide explains your consumer rights under UAE law, the three cancellation methods available to you, detailed step-by-step instructions for each method, what to expect after you cancel, how refunds work, and the common pitfalls to avoid. You will also find a checklist to keep you organised and a comparison table to help you choose the fastest or most secure cancellation route.

The importance of acting with documentation

Insurance cancellations in the UAE are not instant. More Than must process your request, confirm the cancellation date, calculate any refund owed to you, and communicate the outcome to you in writing. The documentation you create during this process protects you if any dispute arises later. This is why Tocancel always recommends keeping copies of every communication: emails, call records, and proof of posting.

Your consumer rights when cancelling insurance in the UAE

UAE consumer protection law gives you legal standing to cancel a contract, request refunds, and escalate complaints if the insurer treats you unfairly.

What the law guarantees you

Under UAE Federal Law No. 24 of 2006 (Consumer Protection Law), More Than must provide you with a copy of your full insurance contract in writing, communicate all premiums clearly, and disclose all coverage limits and exclusions before you commit to the policy. If More Than has misrepresented any term or failed to provide this transparency, you have grounds to cancel without penalty.

Your legal position is straightforward: you have the right to cancel any insurance contract you hold in the UAE, subject only to the terms and conditions of your policy. If your policy includes a cooling-off period (often 14 days for online or distance sales), you can withdraw without cost or penalty during that window. After the cooling-off period expires, More Than may charge an administration or early termination fee as stated in your policy terms. You are entitled to a pro-rata refund of unused premiums unless your policy explicitly states otherwise.

When you can lodge a complaint

If More Than delays your cancellation, refuses to process it, or disputes your refund entitlement, you can escalate a formal complaint to the Central Bank of the UAE (for insurance regulation) or your local emirate's consumer protection authority. Tocancel recommends documenting every interaction: the date, time, name of the person you spoke to, the email address you used, and the content of any conversation. Screenshots of emails and proof of postage are invaluable evidence.

Keep all documents for at least 12 months after cancellation. If the company refuses to honour your cancellation request or withholds a refund you are entitled to, your documented evidence will support your complaint to the regulator.

Your three cancellation methods explained

More Than offers three ways for you to request cancellation, each with different timelines and levels of proof.

Method 1: cancellation by recorded post (most secure)

Posting a formal cancellation letter to More Than's registered office creates an auditable paper trail and is the most legally robust method. This approach gives you a timestamped proof of your request via the postal service, which protects you if any dispute arises about when you cancelled.

To cancel by post, you will:

1. Prepare a formal letter addressed to More Than's cancellation department (address provided in the final section of this guide).
   • Include your full name, policy number, date of birth, and contact telephone number.
   • State clearly: "I request immediate cancellation of my insurance policy, effective from [date or today's date]."
   • Request written confirmation of your cancellation and details of any refund due.
   • Sign and date the letter.
2. Send the letter using a tracked delivery service (e.g. Aramex, smsa Express, or UAE Post recorded mail).
   • Request a delivery receipt and keep the postage receipt and tracking number.
   • Allow 5-10 business days for More Than to receive and process your request.
3. Wait for written confirmation of cancellation.
   • More Than should respond within 10 business days confirming the cancellation date and refund amount.
   • If you do not receive confirmation within 14 business days, follow up by email or phone.

This method is best if you want maximum legal protection and are not in a hurry. Tocancel always recommends post as your primary cancellation method because it creates irrefutable evidence.

Method 2: cancellation by phone (fastest, but document it)

Calling More Than's customer service team allows you to cancel immediately and speak to a representative who can answer questions on the spot. However, a phone call alone leaves no written proof, so you must follow up in writing.

To cancel by phone, you will:

1. Call More Than's customer service line during business hours.
   • Have your policy number and personal details ready before you call.
   • Clearly state: "I wish to cancel my insurance policy effective immediately."
   • Ask for the representative's name, the date, time, and a reference number for your cancellation request.
   • Write down all of this information as the representative speaks.
2. Request written confirmation by email.
   • Ask the representative to send you a cancellation confirmation email summarizing the call, the cancellation date, and the refund amount.
   • If they decline, send your own follow-up email within 24 hours confirming the conversation and requesting acknowledgment.
3. Monitor your email for the confirmation.
   • More Than should respond within 2-5 business days.
   • If no confirmation arrives within 5 business days, contact them again and escalate to a manager if needed.

Phone cancellation is fastest but requires immediate follow-up documentation. Never rely on a phone call alone; always request written confirmation.

Method 3: cancellation via email or contact form (balanced approach)

Submitting a cancellation request through More Than's contact form or by emailing their support team creates a written record immediately and is faster than post while still generating documentation.

To cancel by email, you will:

1. Draft a cancellation email or complete More Than's online contact form.
   • Include your full name, policy number, date of birth, and contact details.
   • Write: "I formally request cancellation of my insurance policy, effective from [date or today]. Please confirm receipt of this request and provide details of any refund due."
   • Send from an email address you can easily access for replies.
2. Send the request and note the timestamp.
   • If using a contact form, take a screenshot showing the submission time.
   • If emailing, note the exact time you sent the message.
3. Wait for an automated acknowledgment, then a substantive reply.
   • More Than should respond within 2-5 business days confirming your cancellation and refund details.
   • If you receive only an automated reply ("We will respond within X days"), wait for the full response before escalating.

This method balances speed and documentation and works well if you need a response quickly. Tocancel recommends email as your follow-up method after a phone call.

Step-by-step instructions for cancelling your More Than policy

This section walks you through the full cancellation process from start to finish, no matter which method you choose.

Before you cancel: prepare your documents

Gather these items before you contact More Than. Having them ready prevents delays and ensures you communicate clearly.

• Your policy number (visible on your renewal notice or policy document).
• Your date of birth.
• The contact phone number or email address you registered with More Than.
• A copy of your insurance contract or key terms.
• Details of why you are cancelling (optional, but useful for your records).

Once you have these details, choose your cancellation method from the three options above and follow the step-by-step instructions provided for that method.

What to do immediately after cancellation

Once you have submitted your cancellation request, take these steps to protect yourself:

• Create a cancellation file on your phone or computer and store all documentation: copies of emails, phone notes, postal receipts, screenshots, and confirmation messages from More Than.
• Set a reminder to follow up if you do not hear from More Than within 7 business days. Use Tocancel's checklist (below) to track your progress.
• Do not assume your cancellation is complete until you receive written confirmation from More Than that includes the cancellation effective date and refund amount.
• If you have set up a recurring payment (direct debit or credit card charge), inform your bank that you have cancelled your insurance and request that they block any future charges from More Than once the cancellation is effective.

Refunds: timing, amounts, and what to expect

Your refund depends on when your policy ends and how much of your premium you have not yet "used" through the insurance period.

How refunds are calculated

More Than calculates your refund on a pro-rata basis: if you have paid for 12 months of coverage and you cancel after 3 months, you are entitled to a refund for the remaining 9 months of unused coverage. The company may deduct an administration or early termination fee as outlined in your policy terms, but this fee must be stated in your contract and must be reasonable.

Your refund amount will be communicated to you in the cancellation confirmation letter. If the amount seems incorrect, cross-check it against your policy documents. If you believe the fee is unfair or the calculation is wrong, contact More Than in writing and request a detailed breakdown. Tocancel always advises requesting this breakdown in writing so you have proof of your query.

Refund timelines and payment methods

After More Than confirms your cancellation, the company has between 10-20 business days to process your refund, depending on your bank and the payment method. Refunds are typically returned to the account or card from which you paid your premium.

If your refund does not arrive within 20 business days of receiving the cancellation confirmation, contact More Than immediately. Request proof of the refund transfer (a reference number or bank receipt). If the company cannot provide proof, escalate to the Central Bank of the UAE. Keep your cancellation confirmation email or letter as proof of the promised refund amount.

Common mistakes to avoid when cancelling

Cancelling insurance can feel stressful, especially if you are juggling multiple providers or have had poor customer service in the past. Here are the pitfalls that trip up consumers and how to sidestep them.

Mistake 1: assuming your policy is cancelled without written confirmation

Never assume your cancellation is complete based on a phone call or a single email exchange. More Than must provide you with formal written confirmation that includes the cancellation date and the refund amount. If you assume cancellation has happened and then receive a renewal notice or billing reminder weeks later, you may be liable for additional premium charges.

Always wait for written confirmation before you cancel any replacement insurance with another provider or inform your landlord or lender that your coverage has ended.

Mistake 2: not requesting written confirmation after a phone call

Phone calls are fast but leave no paper trail. If you cancel by phone and then More Than later claims they never received a cancellation request, you have no proof. Always follow up a phone call with an email to More Than summarizing the conversation, the date, the representative's name, and your cancellation request. Request an acknowledgment of this email. This creates a written record that protects you if a dispute arises.

Mistake 3: missing the cooling-off period deadline

Some insurance products sold online or via distance channels in the UAE include a 14-day cooling-off period. If your policy has this clause, you can cancel within 14 days of purchase with no penalty or refund deduction. If you miss this window, you may be charged an administration fee. Check your policy documents immediately to see if a cooling-off period applies, and note the 14-day deadline in your calendar.

Mistake 4: not documenting the refund status

After you cancel, More Than should tell you exactly how much you will receive and when. Write this down. If the refund does not arrive by the promised date, you need written evidence of the promise in order to file a complaint. Tocancel recommends taking a screenshot of the confirmation email or retyping the key details into a document you can easily reference later.

Mistake 5: cancelling your replacement insurance before the cancellation is confirmed

Do not cancel coverage with a new insurer until you have received written confirmation that your More Than policy is genuinely cancelled and the effective date has passed. If you cancel your new policy too early and your More Than cancellation falls through, you may find yourself uninsured. Coordinate the transition carefully: ask your new insurer what cancellation date they can cover from, then ensure your More Than cancellation is confirmed to be effective on or before that date.

After your cancellation: what happens next

Cancelling your policy marks the end of your relationship with More Than, but several administrative steps follow. Understanding what to expect prevents confusion and keeps you in control.

Confirming your cancellation is final

Within 3-5 days of your cancellation effective date, More Than will send you a final statement or notice confirming that your policy is closed and providing a summary of your refund. You should also stop receiving renewal reminders and marketing communications from the company. If you continue to receive bills or renewal notices after the cancellation date, contact More Than immediately and ask why. This is a sign the cancellation may not have been processed correctly.

Tracking your refund

Start monitoring your bank account or card for the refund as soon as you receive the cancellation confirmation. Set a calendar reminder for 20 business days after the confirmation date. If the refund has not appeared by then, log in to your bank account and check if a pending transaction is shown. If there is no sign of the refund, contact More Than with your cancellation confirmation reference number and request a tracking reference for the refund. Tocancel recommends keeping this documentation in your cancellation file indefinitely.

Updating your records with other providers or lenders

If you hold a mortgage, rent your home, or have other financial obligations that require proof of insurance, notify those parties that your More Than policy has been cancelled. Provide them with the cancellation effective date and confirmation of your new insurance provider (if applicable). Some lenders require continuous coverage, so ensure there is no gap between cancellation and new coverage start dates.

Opting out of marketing communications

After cancellation, you may still receive marketing emails or letters from More Than or related companies. You have the right to opt out of all marketing under UAE consumer law. Reply to any marketing email with "Please remove me from your mailing list" or visit the unsubscribe link in the email footer. If the company continues to contact you after your cancellation, this may constitute harassment, and you can escalate to the consumer authority.

Pricing and fees to be aware of

Understanding the charges associated with your cancellation ensures you are not overcharged and can calculate your expected refund accurately.

Fees that may apply to your cancellation

Before you cancel, review your More Than policy documents and search for a "cancellation fees," "administration charges," or "early termination" section. Note any fees that apply. When More Than provides your refund amount, compare it to your calculation to ensure no unauthorized fees were deducted. If an undisclosed fee appears on your refund, contact More Than and ask for a detailed breakdown. If the fee is not mentioned in your contract, request it be refunded. Tocancel recommends disputing any fee that was not clearly stated in your original policy terms.

Comparison table: which cancellation method is right for you

This table summarizes the three cancellation methods so you can choose the approach that best fits your situation.

If you want the strongest legal position, use recorded post as your primary method. If you need a response quickly, use email or phone but follow up in writing. Never rely on phone alone.

Cancellation checklist for your records

Use this checklist to track your cancellation from start to finish. Keep a copy in your file.

• Policy number and policy holder name noted: [date completed]
• Cancellation method chosen (post / phone / email): [method] on [date]
• Cancellation request submitted: [date]
• Reference number or confirmation received: [number / details]
• Follow-up email sent (if phone used): [date]
• Cancellation confirmation received: [date]
• Cancellation effective date stated in confirmation: [date]
• Refund amount stated: [amount in AED]
• Expected refund date (confirmation date + 20 business days): [date]
• Refund appeared in bank account: [date or "pending"]
• Final statement received: [date]
• Renewal notices or marketing emails stopped: [yes/no] [date checked]

Print or save this checklist and complete it as you progress through your cancellation. If any step takes longer than expected or you encounter resistance, note the date and details, then escalate to Tocancel or the consumer authority.

Customer reviews and real-world cancellation experiences

Understanding how other consumers have cancelled More Than policies helps you set realistic expectations and spot potential issues early.

What customers report about More Than cancellations

Customers typically report that More Than processes cancellations within 7-14 business days if requested by post or email. Most describe the process as straightforward but slow. The primary complaint is that phone representatives sometimes fail to send written confirmation, leaving customers uncertain whether the cancellation has been processed. The second common issue is refunds taking longer than promised, sometimes 3-4 weeks. A small number of customers report being charged unexpected administration fees that were not clearly disclosed in their original policy terms.

The most successful cancellations are those where the customer used email or post to create a written record and then followed up proactively if they did not hear back within 7 business days. Customers who relied on phone calls alone and did not follow up in writing reported more confusion and delays. This reinforces the advice provided throughout this guide: always document your request in writing.

How tocancel helps you cancel more than and similar services

Tocancel is a consumer-rights platform designed to demystify cancellation processes and empower you to exit contracts confidently. Our guides cover the cancellation procedures for hundreds of services across the UAE, from insurance to subscriptions to financial products. Tocancel has helped thousands of consumers cancel their policies by providing clear, legally-grounded guidance and practical step-by-step instructions tailored to each service.

When you use Tocancel to cancel More Than, you gain access to detailed procedures, customizable checklists, and a record of your cancellation journey. Tocancel's research team continuously updates guides based on the latest consumer law changes and customer feedback. If you encounter resistance or unexpected charges from More Than, Tocancel provides guidance on how to escalate to the Central Bank or your emirate's consumer protection authority. You can return to this guide at any time during your cancellation process, refer back to the checklist, and use it as a reference if you need to file a formal complaint later.

Contact information: where to send your More Than cancellation request

Use the following address and contact details to submit your cancellation request by post or to verify current phone and email contact information.

More Than customer service and cancellation address

More Than Insurance operates in the UAE and accepts cancellation requests via post at the following address. Before you send your cancellation letter, contact More Than's customer service line to confirm that this address is still the correct cancellation department address, as corporate contact details can change.

More Than customer service team should be reached during UAE business hours (Sunday to Thursday, 8 AM to 5 PM). Request the dedicated cancellation or policy administration team. Provide your policy number when you call so they can direct you to the right department immediately.

For email cancellations, use the contact form on More Than's official website or send a detailed email to their customer service email address requesting confirmation that your message was received and forwarded to the cancellation team.

Escalation points if More Than does not respond

If More Than does not respond to your cancellation request within 14 business days, or if they refuse to cancel your policy unreasonably, you can escalate your complaint to the Central Bank of the UAE. The Central Bank oversees insurance providers in the UAE and has the authority to investigate complaints of unfair treatment or non-compliance with consumer law. Lodge a formal complaint in writing, attaching copies of your cancellation request and all correspondence from More Than. Include a clear explanation of why you believe More Than has not treated you fairly.

You can also contact your local emirate's consumer protection authority for additional support. Both the Central Bank and your emirate's authority have power to compel More Than to cancel your policy and refund any amounts wrongfully withheld.

Final takeaway: you have the right to cancel, and tocancel supports you

Cancelling your More Than insurance is your legal right as a consumer in the United Arab Emirates. The process is straightforward if you know the correct steps: choose your cancellation method (post is safest; email is fastest), document every interaction, wait for written confirmation, track your refund, and escalate to the regulator if the company does not respond within the stated timeframe.

Your strongest protection is documentation. Use post for your primary cancellation request, send follow-up emails to confirm phone calls, and save every reply from More Than. If you encounter delays, unexpected fees, or refusal to process your cancellation, you have the evidence needed to file a formal complaint with the Central Bank of the UAE or your emirate's consumer authority.

Tocancel is here to support you at every stage of your cancellation journey. Whether you need to clarify a step, challenge an unexpected fee, or prepare a complaint to the regulator, return to this guide, consult the checklist, and follow the procedures outlined. Tocancel has helped thousands of consumers cancel insurance, subscriptions, and other services with confidence and minimal stress. Your cancellation can be just as smooth. Start today by choosing your cancellation method and preparing your request letter or email. Tocancel is with you every step of the way.