Cancel Infinity Insurance: The Right Way

How to cancel Infinity Insurance and protect your refund: a guide for ireland-based customers

What is Infinity Insurance and why you might choose to cancel

Infinity Insurance is a United States-based motor insurance provider owned by the Kemper group, offering personal auto coverage, commercial policies and specialty filings such as SR-22 documentation. The company operates primarily across multiple U.S. states and does not focus on Ireland-based customers, which means if you hold an Infinity policy from Ireland, you are managing a cross-border insurance relationship governed by both U.S. contract law and Irish consumer protection rules.

You may be considering cancellation because your renewal premium jumped unexpectedly, you found cheaper cover elsewhere, claims settlement took longer than anticipated, or you received a non-renewal notice with insufficient notice. Whatever your reason, treating your cancellation as a formal legal action rather than a casual phone call is essential to avoid disputes over refunds or ongoing charges. This guide from Tocancel walks you through your rights, the correct cancellation methods and how to protect your refund from the moment you decide to leave.

Why irish customers typically cancel Infinity Insurance

Cancellations at Infinity often stem from premium shock at renewal time, competitive quotes from Irish insurers, slow claims handling, or surprise non-renewal decisions. If you purchased your Infinity policy online or by phone while in Ireland, you entered a cross-border contract that carries specific Irish and EU consumer protections. Understanding these protections upfront helps you cancel confidently and recover any refund you are entitled to.

How Infinity Insurance policies work for ireland-based customers

Your Infinity policy contract is governed by U.S. state law, but as an Irish resident paying premiums from an Irish bank account or Irish address, you also have rights under Irish consumer protection law. This means you must satisfy both the cancellation process outlined in your contract and your statutory consumer rights to exit cleanly and secure any refund. The two legal frameworks can work together in your favour, especially if Infinity fails to provide clear cancellation information upfront.

Your legal rights when cancelling an overseas insurer

Irish and EU consumer law protects you even when cancelling a U.S.-based insurance provider, as long as you were in Ireland when you purchased the policy or ongoing relationship.

Consumer rights under irish law

The Consumer Rights Act 2015, as amended, gives you the right to cancel most distance contracts (those concluded at a distance, such as online or by phone) within 14 days of conclusion at no cost. If Infinity sold your policy to you remotely while you were in Ireland, you had a 14-day cooling-off period from the date you concluded the contract. After that period, your cancellation rights depend on your contract terms and the insurer's notice requirements.

The Insurance Distribution Directive (IDD) also requires that any insurer, including U.S.-based providers selling to Irish customers, supplies clear information about cancellation rights, any charges and notice periods before you complete your purchase. If Infinity did not provide this information clearly in your original policy documents or purchase confirmation, you may have grounds to dispute any cancellation fees or demand a full refund.

Your legal position: you have the right to cancel any insurance policy on or after the date it concludes, provided you give proper notice as set out in your contract. If your contract does not specify a notice period or charges, Irish law assumes you have the right to cancel with reasonable notice at no cost.

How to locate your cancellation rights information

Check your original policy documents or the email confirmation you received when you first purchased the policy. Look for a section titled "Your cancellation rights", "Right to cancel", "Cooling-off period" or "How to cancel your policy". If you cannot find this information and you purchased the policy within the last three years, request it in writing from Infinity now. This document is your proof of the cancellation process you must follow and any charges that apply.

Cancellation methods for Infinity Insurance from ireland

Infinity provides several ways to notify them of your cancellation decision, and you must choose a method that creates a clear, dated record of your request.

Written cancellation by post

Sending a formal letter by registered post is the strongest method because you receive a dated proof of posting and can track delivery. This is especially important for a U.S.-based insurer because postal delays or lost mail are common across the Atlantic. Write your letter clearly, sign it and keep a copy for your records before posting.

Email or online portal cancellation

If Infinity provides an online customer portal or accepts cancellation requests by email, use this method and request a written confirmation of cancellation immediately after submitting your request. Tocancel recommends saving all emails and screenshots of portal submissions as evidence of your cancellation request and the date you submitted it. Many disputes arise because customers rely on verbal confirmations or assume silence means cancellation has been processed.

Phone cancellation (weakest option)

You can cancel by phone, but this method provides no written proof unless you record the call (which requires the insurer's consent in Ireland under data protection law). If you do cancel by phone, always follow up with a written confirmation email to Infinity stating the date, time and name of the agent who accepted your cancellation. Request written confirmation from Infinity by email or post within 5 working days.

Step-by-step cancellation process for Infinity Insurance

Follow this process to cancel your Infinity Insurance policy and protect your right to a refund.

1. Review your policy documents and identify your policy number, the exact cancellation address, the notice period required and any cancellation fees that apply.
   • Look for a section titled "Cancellation", "How to cancel" or "Contact us".
   • Note the notice period (how many days' notice you must give before your cancellation takes effect).
   • Check whether any charges apply and on what basis.
2. Prepare your cancellation request in writing, including your full name, policy number, the date you want your cover to end and your reason for cancellation (optional but helpful).
   • Keep the letter brief and factual.
   • State clearly: "I wish to cancel my Infinity Insurance policy with effect from [date]."
   • Sign and date the letter.
3. Send your cancellation request by the method that gives you the strongest proof of delivery: registered post, email with read receipt or certified mail.
   • If posting, use registered or tracked service and keep your receipt.
   • If emailing, request a read receipt or delivery confirmation.
   • Save copies of all correspondence on your computer and in a folder.
4. Give Infinity the notice period stated in your contract (often 14, 21 or 30 days, depending on your policy) to process your cancellation.
   • Mark your calendar with the cancellation effective date.
   • Watch your bank account to confirm no further premiums are charged after that date.
5. Request written confirmation of cancellation from Infinity within 5 working days of sending your request.
   • If Infinity does not reply, send a follow-up email or letter stating: "I submitted a cancellation request on [date]. Please confirm receipt and the effective date of cancellation."
   • Keep all follow-up communications on file.
6. Check your bank statements for 2 billing cycles after your cancellation date to confirm no further premiums are charged.
   • If Infinity continues to charge you, raise a dispute with your bank immediately and provide your written cancellation request as evidence.
   • Contact Tocancel for support if you face ongoing charges.

Refunds and cancellation fees when cancelling Infinity Insurance

You may be entitled to a refund if you cancel before the end of your current billing period, but Infinity may apply a cancellation fee or administrative charge depending on your policy terms.

When you have the right to a refund

If you cancel during your policy period and have paid premiums in advance, you are entitled to a refund for the unused portion of your cover. The only exceptions are if your policy terms specifically state otherwise or if you cancel after a claims settlement has been initiated. Infinity cannot refuse to refund unused premiums simply because you cancelled; Irish consumer law protects this right.

Cancellation fees and when they apply

Your policy terms may allow Infinity to charge a cancellation fee, typically between EUR 25 and EUR 75, to cover administrative costs. However, this fee must be stated clearly in your original policy documents. If you did not receive clear information about cancellation fees before you purchased your policy, Infinity cannot charge a fee when you cancel. Tocancel recommends requesting an itemised breakdown of any fee claimed, showing the calculation and the policy clause that permits the charge.

Refund timeline and payment method

Infinity should refund any balance within 14 to 30 days of your cancellation taking effect, depending on their standard processing time. Ask Infinity in writing where your refund will be paid (to your original bank account or as a credit voucher). If your refund is not received within 30 days, raise a dispute with your bank and provide your written cancellation request and any email from Infinity confirming cancellation.

What to do if Infinity refuses to cancel or disputes your refund

If Infinity delays processing your cancellation, disputes your entitlement to a refund or ignores your cancellation request, you have escalation options under Irish law.

Internal dispute resolution with Infinity

Before you escalate to an external authority, send Infinity a formal complaint letter by registered post or email, stating exactly what has happened and what outcome you expect. Reference the relevant clause in your policy and the date of your original cancellation request. Give Infinity 10 working days to respond. If they refuse or fail to respond, you can escalate to the Irish Financial Services and Pensions Ombudsman (FSPO).

Escalation to the irish financial services and pensions ombudsman

The FSPO can investigate complaints about insurance providers, including cross-border disputes with U.S. insurers. You can lodge a complaint with the FSPO if Infinity refuses to cancel, withholds a refund you believe you are entitled to, or fails to provide clear cancellation information. The FSPO does not charge you to file a complaint and can order Infinity to refund money or pay compensation if it finds the insurer has treated you unfairly. Tocancel recommends keeping all correspondence with Infinity and preparing a timeline of events before you contact the FSPO.

Contact the FSPO:

• Website: www.fspo.ie
• Phone: 0818 930 782 (Monday to Friday, 09:00-17:00)
• Postal address: Irish Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29

Stopping further premium charges

If Infinity continues to charge you after your cancellation date, contact your bank immediately and dispute the charge. Provide your written cancellation request as evidence. Your bank can reverse the charge and may be able to prevent future charges from Infinity. This action does not prevent you from also escalating to the FSPO or pursuing a refund through other means.

Common mistakes to avoid when cancelling Infinity Insurance

Many Irish customers struggle with Infinity cancellations because they make preventable mistakes early on. You are not alone in facing delays or confusion, but taking the right steps now can save you weeks of frustration and protect your refund.

Relying on phone calls without written follow-up

If you cancel by phone and do not follow up with a written confirmation email, you have no proof that Infinity accepted your cancellation. The agent may have made an error, the company may claim they never received your request, or the system may have lost your instruction. Always send a follow-up email within 24 hours of a phone cancellation, stating the date, time and agent name, and request written confirmation by return email.

Not allowing for the required notice period

Your policy specifies a notice period (often 14, 21 or 30 days) that you must give before your cancellation takes effect. If you send your cancellation request but do not allow time for processing, Infinity may not process it in time and may charge you another month's premium. Read your notice period carefully and send your cancellation request at least 5 days before the deadline you calculate.

Failing to track the refund after cancellation

After your cancellation date passes, check your bank statements weekly for 2 months to confirm that Infinity stops charging you and that your refund arrives. Many customers assume silence means everything is fine, then discover months later that Infinity continued charging them. Tocancel recommends setting a phone reminder to check your bank on the expected refund date and following up immediately if the money does not arrive.

Not requesting an itemised breakdown of cancellation fees

If Infinity claims a cancellation fee applies, demand a written breakdown showing the policy clause that permits the fee and the exact calculation. If Infinity cannot provide this, the fee is likely unlawful and you should dispute it with your bank and escalate to the FSPO.

After your Infinity Insurance cancellation is processed

Once Infinity confirms your cancellation in writing, your obligations to the insurer end but your responsibilities as a driver continue. You cannot legally drive without valid motor insurance in Ireland, so arrange a replacement policy before your Infinity cover ends.

Arranging replacement insurance before cover ends

Do not cancel Infinity until you have obtained a quotation from a new insurer and know your cover will start on or before your Infinity cancellation date. A gap in insurance cover is illegal on Irish roads and could result in a fine, penalty points or even vehicle seizure if you are stopped. Compare quotes from at least three Irish insurers (such as Allianz, AXA, Aviva or direct insurers like Setanta or Quinn) to ensure you are not overpaying.

Keeping your cancellation records

Save all correspondence with Infinity (emails, letters, receipts, confirmation messages) in a folder on your computer and in a physical envelope at home for at least two years. If Infinity ever claims you owe money or were still their customer, these records prove you cancelled correctly. Tocancel recommends also screenshotting any online confirmations in case Infinity's website changes or becomes unavailable.

Monitoring for repeat charges

Set a calendar reminder to check your bank statement one week after your expected refund date. If your refund has not arrived or if Infinity continues to charge you, contact your bank and the FSPO immediately. The sooner you act, the easier it is to reverse charges and recover your money.

Pricing and typical cancellation costs for Infinity Insurance

Understanding the financial impact of cancellation helps you decide whether to proceed and what to expect from Infinity.

Comparison: Infinity Insurance versus irish alternatives

Many customers cancel Infinity because Irish insurers offer better value, faster claims handling and easier cancellation processes. This table compares Infinity to typical Irish motor insurers so you can decide whether cancellation makes sense for you.

Cancellation checklist for Infinity Insurance

Use this checklist to ensure you cancel Infinity correctly and protect your refund.

• Locate your Infinity policy documents and identify your policy number.
• Find the cancellation section and note the notice period you must give.
• Check whether your policy allows a cancellation fee and what it is.
• Decide your cancellation date (at least 5 days from when you send your request, plus the notice period).
• Obtain a quotation from a new Irish insurer and confirm cover starts before your Infinity cancellation date.
• Write a formal cancellation letter including your policy number, full name and cancellation date.
• Send the letter by registered post or certified mail and keep your receipt.
• Send a follow-up email to Infinity within 24 hours of posting, asking for written confirmation.
• Mark your calendar for the cancellation effective date.
• Check your bank statement one week after the expected refund date.
• If no refund arrives within 30 days, contact your bank and the FSPO.
• Save all correspondence (letters, emails, screenshots, receipts) in a folder for two years.

How tocancel can help you cancel Infinity Insurance

Cancelling a U.S.-based insurer from Ireland can feel overwhelming, especially if you face delays or pushback from Infinity. Tocancel has helped thousands of consumers cancel overseas insurance policies, recover refunds and avoid repeat charges. Our guides provide step-by-step instructions tailored to your country's consumer protection laws, and our community forum allows you to share experiences and learn from other users who have successfully cancelled.

Whether you need help drafting your cancellation letter, escalating a complaint to the FSPO or understanding your refund entitlement, Tocancel's resources are designed to make the process clear and manageable. Visit Tocancel today to access templates, sample letters and up-to-date guides for cancelling any service. Tocancel is your partner in taking control of your subscriptions and recovering money you are entitled to.

Contact information for Infinity Insurance cancellations

To cancel your Infinity Insurance policy or request cancellation information, contact the company using the details below. Always use registered post or email with read receipt for your cancellation request to ensure proof of delivery.

Infinity Insurance contact details for cancellation requests

• Phone (U.S.-based customer service): 1-800-782-1020
• Email: [email protected] (or check your policy documents for an Ireland-specific email)
• Postal address for cancellation requests: Infinity Insurance, Kemper group office (check your policy documents for the exact cancellation address, as this may vary by state)
• Online portal: Log in to your Infinity account and check for a "Cancel Policy" or "Manage My Account" option.

Irish financial services and pensions ombudsman (FSPO) contact for complaints

• Phone: 0818 930 782
• Email: [email protected]
• Website: www.fspo.ie
• Postal address: Irish Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29

Cancelling Infinity Insurance from Ireland is your legal right, and you have strong protections under Irish consumer law to ensure you receive a refund and are not charged after your cancellation date. By following the steps in this guide, keeping written records and escalating to the FSPO if needed, you take control of the process and protect your money. Tocancel is here to support you at every stage of your cancellation journey.