Cancel Insure And Go: Your Step-by-Step Guide

How to cancel your Insure And Go travel insurance policy in ireland

Why you might want to cancel your Insure And Go policy

Insure And Go provides travel insurance cover across Ireland and the UK, offering single-trip policies, annual multi-trip plans and specialist add-ons such as winter sports or cruise protection. The company is administered by Insure & Go Insurance Services Ltd and protects you against medical costs abroad, trip cancellation losses, baggage damage and travel delays. Whether your trip has been postponed, you have found better value elsewhere, or your travel plans have simply changed, understanding your cancellation rights is essential.

Travel circumstances shift unexpectedly. Your flight may be rescheduled, a tour operator may cancel your booking, or you may discover a competitive policy that better suits your needs. Whatever your reason, you deserve a clear, transparent cancellation process and certainty about your refund entitlement. Tocancel has helped thousands of consumers understand their rights and take confident action on insurance policies.

What Insure And Go covers

Insure And Go travel insurance is tiered across different budget levels. Standard cover includes medical expenses abroad, trip cancellation reimbursement, baggage and personal belongings protection, travel delay compensation and emergency assistance. Specific limits, exclusions and conditions are detailed in the Product Disclosure Statement and the full policy wording document you receive at purchase.

Common reasons irish customers cancel

Travellers in Ireland cancel Insure And Go policies for practical, clear reasons. Your trip may be postponed or cancelled by the tour operator. You may have found a lower premium elsewhere. You want to avoid automatic renewal charges. Or you may be dissatisfied with claims handling or customer service responses. Some cancellations happen because you purchased the wrong cover by mistake or discovered a better policy for your specific travel needs.

Your consumer rights when cancelling in ireland

Irish consumer law gives you specific protections when you buy travel insurance online or over the phone, and understanding those rights is your strongest tool when cancelling.

The 14-day cooling-off period under irish law

Under the Consumer Rights Act 2015, as applied in Ireland, you have a statutory right to cancel most distance contracts (including online and telephone insurance purchases) within 14 calendar days of the contract date without penalty or explanation. This cooling-off period applies to Insure And Go policies you purchase remotely. If you cancel within this 14-day window and you have not yet travelled, you are entitled to a full refund of your premium, minus any costs the insurer has directly incurred in arranging your cover.

The 14-day clock starts from the date you receive your policy confirmation, not from the date you click purchase. If you purchased cover more than 14 days ago, this cooling-off right no longer applies unless the insurer failed to provide proper terms and conditions on time. Your legal position is straightforward: you can cancel within 14 days with no questions asked.

Cancellation after the 14-day cooling-off period

Once the 14-day window closes, your right to cancel depends on the terms written in your policy document. Most travel insurance policies allow you to cancel at any time, but you may forfeit your premium or receive only a pro-rata refund if your trip is still in the future. Some policies include a "free cancellation period" as part of their standard terms; check your policy wording carefully for this feature.

Many Insure And Go products include a period during which you can cancel for any reason and receive a full refund, even after the legal cooling-off period ends. This is separate from the statutory right and is set out in your policy terms. Finding this clause could save you significant money, so review your documents now before you decide to cancel.

Enforcement and your right to escalate

If Insure And Go refuses to honour your cooling-off right or disputes your entitlement to a refund, you can escalate the complaint to the Financial Conduct Authority (FCA) in the UK, as Insure And Go operates under UK regulation. However, Irish consumers also have access to the Insurance Ireland Complaints Bureau (now part of the Central Bank of Ireland's dispute resolution process) for complaints about insurance providers. Tocancel recommends keeping records of every communication with the insurer as evidence if you need to escalate.

How to cancel your Insure And Go policy

Insure And Go offers several cancellation methods, each with its own timeline and confirmation process, so you can choose the option that works best for your situation.

Cancellation by post

The most formal and documented method is to send a written cancellation request by post. This creates a clear paper trail and ensures the insurer receives your request.

1. Write a letter that includes:
   • Your full name and date of birth
   • Your policy number (found on your policy documents)
   • Your email address and telephone number
   • A clear statement that you wish to cancel the policy
   • The date you want the cancellation to take effect
2. Post your letter to:
   • Insure & Go Insurance Services Ltd
   • Maitland House
   • Warrior Square
   • Southend-on-Sea
   • SS1 2JY
   • United Kingdom
3. Use a tracked postal service (such as An Post Special Delivery) so you have proof of posting
4. Keep a copy of your letter for your records
5. Allow 5 to 10 working days for the insurer to process your cancellation and confirm it in writing

Posting your cancellation request guarantees you have a dated record of when you requested the cancellation, which is vital if the insurer later disputes the effective date.

Cancellation by telephone

You can call Insure And Go's customer service team directly to cancel over the phone. This method is faster than post but requires you to note the date and time of your call.

1. Find the telephone number on your policy documents or the Insure And Go website
2. Call during business hours and ask to speak to the cancellation team
3. Provide your policy number and personal details when prompted
4. Clearly state that you wish to cancel your policy
5. Ask for confirmation of the cancellation date and any refund amount
6. Request the agent's name and the date and time of the call, and note these details
7. Ask the agent to send a cancellation confirmation email to your registered address
8. Expect the refund to be processed within 5 to 10 working days

Always request written confirmation by email after a telephone cancellation, as this gives you proof of the conversation if there is any dispute later.

Cancellation by email

Some insurers allow cancellation by email, which provides a documented digital record of your request.

1. Locate the cancellation email address on your policy documents or contact page
2. Compose an email that includes:
   • Your full name and date of birth
   • Your policy number
   • Your contact telephone number
   • A clear statement of your intent to cancel
   • The effective cancellation date you prefer
3. Use a subject line such as "Policy Cancellation Request: [Your Policy Number]"
4. Send the email and request a read receipt
5. Wait for a confirmation email from Insure And Go
6. Save all correspondence in a folder for future reference

Email cancellation is particularly useful if you are outside the UK and want to avoid international telephone charges.

Understanding your refund entitlement

Your refund depends on when you cancel and what stage your trip is at, so understanding the calculation now will prevent disappointment later.

Refund within the 14-day cooling-off period

If you cancel within 14 days of receiving your policy, you are entitled to a full refund of your premium, minus any reasonable costs the insurer incurred in arranging the cover. In practice, this often means a full refund, as most insurers do not deduct costs if you cancel early. The refund should be processed within 14 days of your cancellation request.

Refund after the cooling-off period

If you cancel after 14 days, your refund depends on your policy terms and the status of your trip. If your trip is still in the future and the policy allows cancellation with a pro-rata refund, you receive a proportional refund based on the number of days of cover remaining. For example, if you paid €200 for annual cover and cancel after 6 months, you might receive approximately €100.

If your trip has already begun or you have claimed on the policy, you are unlikely to receive a refund. Unused annual policies sometimes allow full cancellation refunds if the insurer's terms permit it, so check your documents carefully. Tocancel recommends contacting the insurer directly to ask for a specific refund calculation before you submit your cancellation request.

Refund processing timescales

Insure And Go typically processes refunds within 5 to 10 working days of your cancellation becoming effective. The refund is usually returned to your original payment method (credit card, debit card or bank transfer). If you do not see the refund within this window, contact the insurer to request a status update and ask for the refund reference number.

Avoiding common mistakes when cancelling

Cancelling an insurance policy feels simple, but small oversights can lead to delays, lost refunds or unnecessary disputes with the insurer.

Not using the correct contact address or method

Sending your cancellation request to the wrong department or email address can cause delays. Always use the official contact details on your policy document or the Insure And Go website, never respond to unsolicited marketing emails or call numbers from advertisements. If you are unsure, telephone the main customer service line and ask for the correct cancellation procedure.

Failing to include essential details

Your cancellation request must include your policy number and full name so the insurer can locate your account quickly. If you omit these details, the request may be delayed or lost. Always provide your phone number and email address so the insurer can contact you to confirm details or ask follow-up questions.

Cancelling after your trip begins

If you cancel after your trip has started, you forfeit cover and are unlikely to receive a refund. Plan your cancellation before your travel dates arrive. If your trip is cancelled by the tour operator or airline, contact the insurer immediately to discuss your options; you may be entitled to a full refund or the option to postpone your cover to a future date.

Assuming automatic renewal has cancelled

Some Insure And Go policies renew automatically. Cancelling your policy does not automatically cancel future renewals unless you explicitly request it. When you submit your cancellation, clearly state whether you wish to cancel the current policy only or all future renewals. This prevents the insurer from charging you again next year.

Not keeping records of your cancellation

Always save copies of cancellation emails, note the date and time of telephone calls, and keep postal receipts showing when you posted your request. If there is a dispute about whether you cancelled, these records are your proof. Tocancel advises creating a folder on your phone or computer dedicated to this cancellation so you can retrieve evidence quickly if needed.

What happens after your cancellation

Once your cancellation is processed, you lose all cover immediately, so timing is critical if you have upcoming travel plans.

Cover ends on the effective date

Your insurance cover ends on the date the cancellation becomes effective, which is usually the date you submit your request or the date you specify in your letter. After that date, you have no protection if something goes wrong during your trip. If you still need cover, arrange a replacement policy before your current policy cancellation date arrives.

Monitoring your refund

After you cancel, monitor your bank account or credit card statement for the refund. It can take up to 10 working days to appear, so do not assume an error if it does not arrive immediately. If 10 working days have passed and you see no refund, contact Insure And Go and ask for a refund reference number and the exact date it was processed. Keep this information for your records.

Future automatic renewals

Check your email for a cancellation confirmation from Insure And Go. This confirms the date the policy ended and whether future renewals have been stopped. If you do not receive confirmation within a few days, send a follow-up message asking the insurer to confirm that no future charges will be applied to your account.

Pricing and refund comparison at a glance

Comparing your options: keep or cancel

Before you submit your cancellation, weigh up the costs and benefits of keeping your policy versus cancelling.

How tocancel can help you cancel with confidence

Navigating cancellation policies can feel overwhelming, especially when money is at stake and timelines matter. Tocancel has helped thousands of consumers cancel their insurance policies, understand their refund rights and escalate disputes with insurers who refuse to honour their obligations.

Whether you need to understand the 14-day cooling-off period, calculate your pro-rata refund, or draft a formal cancellation letter, Tocancel provides step-by-step guidance tailored to your situation. Our team stays updated on Irish consumer law, FCA regulations and the specific terms of major insurers so you receive accurate, actionable advice.

Visit Tocancel today to access our full range of cancellation guides, refund templates and escalation resources. If you face resistance from Insure And Go, Tocancel can guide you through making a formal complaint to the Financial Conduct Authority or the Central Bank of Ireland's dispute resolution service. Your rights matter, and Tocancel is here to make sure you exercise them.

Contact details for Insure And Go cancellation

Use the following address to send your written cancellation request by post. Include your policy number, full name and request for confirmation of the cancellation date and refund amount.

Insure & Go Insurance Services Ltd
Maitland House
Warrior Square
Southend-on-Sea
SS1 2JY
United Kingdom

For telephone or email contact details, check your policy documents or visit the official Insure And Go website. Always use official contact information, never details from third-party websites or unsolicited emails. Record the date, time and name of any customer service representative you speak to, and request written confirmation of your cancellation within 2 business days.

Cancelling your insurance should be straightforward, and with the right information and evidence, it is. Tocancel has created this guide to empower you with the knowledge and confidence to take control of your policy and reclaim your money if you are entitled to a refund.