Cancel Infinity: Step-by-Step Guide

How to cancel Infinity car insurance in india and reclaim your money

Understanding Infinity assurance solutions and your coverage

Infinity Assurance Solutions Pvt. Ltd. operates as a car insurance provider in India, offering coverage plans that auto-renew unless you actively cancel before your renewal date. Many policyholders discover too late that their insurance premiums continue charging automatically, even when they no longer need the coverage or have switched providers.

Your legal position is straightforward: you have the right to cancel your Infinity car insurance policy at any point, and the company must process your cancellation within a reasonable timeframe. At Tocancel, we help consumers understand that cancellation is your choice, not the company's.

Why Infinity policyholders want to cancel

Common reasons for cancellation include switching to a cheaper provider, selling your vehicle, relocating outside Infinity's service area, or simply finding better coverage elsewhere. Whatever your reason, Indian consumer law protects your right to exit without penalty once your initial lock-in period ends.

How auto-renewal works with Infinity

Infinity operates on annual or periodic auto-renewal cycles, meaning your premium renews automatically on your policy anniversary unless you cancel in advance. This model catches many consumers off guard because renewal happens silently if you don't proactively stop it. The Reserve Bank of India requires insurers to send you renewal notifications, but these emails often land in spam folders or go unnoticed.

Understanding this timing is critical: you must initiate cancellation before your renewal date to avoid the next charge.

Your consumer rights when cancelling car insurance in india

Indian consumer protection law gives you specific legal shields when cancelling an insurance policy.

The insurance act and your cancellation rights

Under the Insurance Act, 1938, and the Insurance Regulatory and Development Authority (IRDA) guidelines, you hold the absolute right to cancel your car insurance policy at any time. If you cancel within 30 days of purchase (called the "free-look period"), insurers must refund your full premium without deduction, provided you have not filed a claim. After 30 days, cancellation is still permitted, but the company may deduct a proportionate premium for the period you were covered.

Tocancel emphasises that this is your protected right: no insurance company can refuse cancellation or hold you to an automatic renewal without your explicit written consent before each renewal.

RBI guidelines on recurring payment notifications

The Reserve Bank of India mandates that all financial service providers, including insurers, send you a reminder notification at least 5 days before a recurring payment is charged. If Infinity failed to send you such notification before charging your renewal premium, you have grounds to dispute the charge with your bank. Document the absence of these notifications as evidence when you file a complaint.

Your escalation path if Infinity refuses

If Infinity denies your cancellation or continues charging after you cancel, you can lodge a formal complaint with the Insurance Ombudsman, which operates in every state across India. This is a free service designed specifically to resolve insurance disputes. Alternatively, you can approach your State Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, which can order the company to refund wrongful charges plus compensation.

Your legal position is backed by regulation: Infinity cannot override your cancellation request or charge you after you have formally withdrawn your policy.

How to cancel your Infinity insurance policy step-by-step

Cancellation methods vary depending on how your policy was purchased and activated.

Cancelling through infinity's customer service directly

This is the most straightforward route if you have your policy number handy.

1. Locate your Infinity policy document or renewal notice.
   • Find your policy number (usually starts with a prefix like INF or similar).
   • Note your registered mobile number and email address on the policy.
2. Contact Infinity Assurance Solutions customer support.
   • Call their customer service helpline during business hours (typically 9am to 6pm, Monday to Friday).
   • Alternatively, email your cancellation request to their support email address with the subject line: "Policy Cancellation Request - [Your Policy Number]".
3. Provide your cancellation request in writing.
   • State clearly: "I request immediate cancellation of my car insurance policy [policy number] effective immediately" or "effective [your preferred date]".
   • Include your full name, registered mobile number, and email address.
   • Mention your reason for cancellation (optional, but helpful).
4. Request written confirmation of your cancellation.
   • Ask the company to email you a cancellation confirmation letter with the cancellation date and any refund details.
   • Do not rely on verbal confirmation alone; always get written proof.
5. Verify cancellation within 7 days.
   • Log into your Infinity account (if available online) to confirm the policy shows as "cancelled".
   • If you received a cancellation confirmation email, save it permanently.
6. Monitor your bank account for the refund.
   • Insurance refunds typically appear within 7 to 14 days after cancellation.
   • If the refund does not arrive within 14 days, contact Infinity again with your cancellation confirmation as proof.

Cancelling if you purchased through a broker or agent

If an insurance broker or agent sold you the Infinity policy, you can cancel through them directly, though you also retain the right to cancel directly with Infinity.

1. Contact your insurance broker or agent.
   • Provide your policy number and state that you wish to cancel.
   • Request they submit your cancellation to Infinity on your behalf.
2. Get written confirmation from your broker.
   • Ask for an email or letter confirming they have submitted your cancellation request.
3. Follow up directly with Infinity.
   • Even if using a broker, send your own cancellation email to Infinity as backup to ensure the request reaches them directly.
   • Reference your broker's involvement in the email.
4. Track the timeline carefully.
   • Brokers sometimes delay submissions, so verify with Infinity that your cancellation was received within 3 days of submitting it through your broker.

Understanding infinity's pricing and refund eligibility

Your refund depends on when you cancel relative to your policy dates and claim history.

Pro-rata refund is calculated as: (Premium paid) × (Days remaining in policy period ÷ Total days in policy period). For example, if you paid ₹15,000 for a 365-day policy and cancel after 100 days, you receive approximately ₹9,932 back.

What happens after your Infinity cancellation is processed

Once Infinity processes your cancellation, several things occur in sequence, and you should monitor each one.

Immediate effects of cancellation

Your car insurance coverage stops on the cancellation date you specified (or the date Infinity processes the request if you did not specify a date). From that point onward, you are no longer insured under the Infinity policy. If you drive without valid insurance after this date, you violate the Motor Vehicles Act, 1988, and risk penalties ranging from ₹1,000 to ₹10,000, plus potential legal liability if an accident occurs.

Therefore, ensure you have a replacement insurance policy in place before your Infinity cancellation takes effect. At Tocancel, we recommend overlapping your policies by 1 day to avoid any gap in coverage.

Refund tracking and bank disputes

Infinity will initiate the refund to the original payment method within 7 to 14 days of processing your cancellation. If you paid via credit card, debit card, or bank transfer, the refund appears in that account. Check your bank statement or credit card portal 14 days after cancellation. If the refund has not appeared by day 15, contact Infinity with your cancellation confirmation letter and ask for a refund status update.

If Infinity cannot locate the refund or claims it was processed but you have not received it, escalate to your bank. Your bank can trace the refund and force Infinity to re-process it if the first attempt failed.

Policy document status and renewal offers

After cancellation, Infinity may send you renewal reminders for 30 to 90 days as part of their automated system. These are not new charges; they are just marketing emails. Ignore them. Your policy will show as "Cancelled" or "Inactive" in your Infinity account (if they provide online access). If you see any charges on your bank statement after your cancellation date, that is a breach, and you should immediately dispute it with your bank and file a complaint with the Insurance Ombudsman.

Common mistakes people make when cancelling Infinity

Many policyholders sabotage their own cancellations by overlooking simple but critical steps. Learning from these mistakes now protects you.

Assuming verbal cancellation is enough

A verbal request to a customer service agent, even if they say "your policy is cancelled," does not constitute proof. Infinity's systems may not record the cancellation, and you may receive charges weeks later. Always demand written confirmation via email before considering the cancellation complete. Tocancel strongly recommends you save this email and forward it to yourself from a separate email account as a backup.

Cancelling after the renewal date has passed

If your renewal date arrives before you cancel, Infinity will charge you the renewal premium. Cancelling after that charge means you are now requesting a refund rather than prevention. While you are entitled to the refund, the process takes longer and requires more follow-up. Cancel at least 10 days before your renewal date to avoid this scenario entirely.

Not documenting policy dates and numbers

Without your policy number, renewal date, and premium amount, you cannot prove to Infinity or your bank that you owned a policy with them. Take screenshots of your policy document and any emails from Infinity the moment you decide to cancel. Store these in a dedicated folder on your device or cloud storage.

Ignoring the free-look period

If you are within 30 days of purchasing the policy and have not filed a claim, you are entitled to a 100% refund. Many people give up because they assume pro-rata refunds apply immediately. They don't. Check the purchase date on your policy document; if it is fewer than 30 days ago, explicitly state in your cancellation request: "I am cancelling within the free-look period and request a full refund."

Cancellation checklist for Infinity policies

Use this checklist to ensure you have taken every necessary step.

What to do if Infinity refuses your cancellation

In rare cases, Infinity may claim they cannot cancel your policy or may demand additional documentation.

Escalation with the insurance ombudsman

The Insurance Ombudsman is a free dispute resolution authority that exists specifically to protect insurance customers. If Infinity refuses your cancellation or wrongfully continues charging you after you have submitted a written cancellation request, file a complaint with the Insurance Ombudsman in your state. You will need to provide your policy number, cancellation request documentation, and proof of charges.

The Ombudsman can order Infinity to cancel your policy and refund all wrongful charges within 30 days. This process costs you nothing and carries no legal risk.

Bank chargeback and dispute process

If Infinity charges your account after your cancellation date, do not wait for the company to respond. Contact your bank immediately and request a chargeback (dispute) for the unauthorised charge. Provide your bank with your cancellation confirmation email as proof you requested cancellation. Most banks will reverse the charge within 7 to 10 days while they investigate.

Tocancel advises that chargebacks are your fastest lever when a company breaches your cancellation request.

Comparing your options: should you keep or cancel Infinity

Before you proceed with cancellation, consider whether it truly serves your needs.

If you have ticked three or more boxes in the "Reason to cancel" column, proceed with cancellation. Otherwise, reconsider whether switching is worth the administrative effort.

Infinity assurance solutions contact and mailing address

To submit your cancellation request, use the following details for Infinity Assurance Solutions Pvt. Ltd.

Cancellation request method: Email your written cancellation request to their customer support email address. Include your policy number, full name, registered mobile number, and the phrase "I request immediate cancellation of my policy effective [date or 'immediately']."

Tocancel has helped thousands of consumers cancel their insurance policies and reclaim refunds by following these exact steps. Your cancellation is not a favour Infinity grants you; it is your legal right under Indian insurance law. Document every step, stay persistent if the company delays, and escalate to the Insurance Ombudsman if necessary. Within 14 days of submitting a clear written cancellation request, your policy should be cancelled and your refund processed. If it is not, Tocancel's approach recommends filing a formal complaint with the Insurance Ombudsman in your state, which costs nothing and carries no legal risk to you.

Visit Tocancel.com for templates, sample cancellation emails, and guidance on filing Ombudsman complaints. Your right to cancel is absolute; your only task is to enforce it clearly and document your proof.