Cancel Infinity Insurance: Step-by-Step Guide

How to cancel Infinity Insurance in malaysia: your rights and the fastest way out

What Infinity Insurance is and why you might need to cancel

Infinity Insurance is a car insurance provider that offers online policy management, customer support via phone, email, and live chat, and the ability to modify or terminate your coverage through your account dashboard. In Malaysia, you are purchasing motor vehicle insurance protection, not a subscription service-which means cancellation involves specific legal rights, refund eligibility, and a defined end date for your policy.

Many Malaysian drivers choose to cancel Infinity Insurance when they sell a vehicle, switch to another insurer, or no longer need the coverage. Whatever your reason, you have consumer rights that protect you during the cancellation process. Understanding these rights upfront means you can cancel with confidence and avoid unexpected charges or billing disputes.

How Infinity Insurance works in malaysia

You purchase a motor insurance policy for a set term-usually 12 months. Your policy covers your vehicle against agreed risks, and you pay a monthly or annual premium. If you decide to end the policy early, you can request cancellation through your online account or by contacting Infinity directly.

The key difference between cancellation and subscription services is that insurers calculate refunds based on the unused portion of your premium. If you paid RM 1,200 upfront for a 12-month policy and cancel after six months, you may be entitled to a refund for the remaining six months of unused cover.

Why malaysian customers cancel Infinity Insurance

The most common reasons are: selling your vehicle, purchasing a new car that requires different coverage, moving to another insurer with better rates, or simply no longer needing the insurance. You may also cancel if the service does not meet your expectations or if you have found a competitor offering better value.

Whatever your reason, Tocancel recognises that you deserve a straightforward cancellation process without hidden obstacles or surprise charges. Your right to cancel is protected by Malaysian consumer law, regardless of the reason you choose to end your policy.

Your consumer rights when cancelling Infinity Insurance

Malaysian law gives you clear protection when cancelling an insurance policy. The Consumer Protection Act 1999 is the primary legal framework that governs your relationship with Infinity Insurance.

What the consumer protection act 1999 guarantees you

Under the Consumer Protection Act 1999, you have the right to cancel your insurance policy without unreasonable barriers or penalties. The insurer cannot force you to remain a customer beyond your stated cancellation date. Infinity Insurance must honour your cancellation request within a reasonable timeframe-typically within 30 days of receiving your written instruction.

Your legal position is straightforward: once you issue a cancellation notice with a clear end date, Infinity Insurance must cease your coverage on that date and process any refund owed to you. The insurer cannot charge additional fees or penalties for cancelling early, unless your policy document explicitly states otherwise and that term was clearly disclosed at the point of sale.

If Infinity Insurance refuses to cancel your policy or fails to process your refund, you can escalate your complaint to Bank Negara Malaysia (BNM), the central bank and financial regulator. BNM oversees insurance complaints and can compel the insurer to comply with your cancellation request.

Your right to a pro-rata refund

When you cancel Infinity Insurance partway through your policy term, you are entitled to a pro-rata refund-meaning you pay only for the months or days you were covered. This refund is calculated as: (unused days or months remaining) divided by (total days or months in the policy term) multiplied by your total premium.

For example, if you paid RM 1,200 for a 12-month policy and cancelled after 4 months (120 days used out of 365), you would be entitled to a refund for 245 unused days. Infinity Insurance should process this refund within 30 to 60 days of your cancellation date, depending on their terms.

Tocancel advises you to always request written confirmation of your refund amount in writing before you complete the cancellation. This prevents disputes later if the refund does not arrive or if the amount is incorrect.

Methods to cancel Infinity Insurance in malaysia

Infinity Insurance offers several channels to cancel your policy. Each method has its advantages, and choosing the right one depends on your comfort level with technology and your need for immediate confirmation.

Cancel online through your account

The fastest and most convenient method is to cancel through your online Infinity Insurance account. This route gives you immediate confirmation and a digital record of your cancellation request.

1. Log in to your Infinity Insurance account using your email and password
   • If you have forgotten your password, use the "Forgot Password" link on the login page
   • Reset your password using the email address linked to your policy
2. Navigate to the "My Policy" or "Manage My Policy" section
   • Look for a menu item that says "Policy Details" or "Coverage"
   • Open the specific policy you want to cancel
3. Select "Make Changes" or "Change My Policy"
   • Read through all available options carefully
   • Do not select "modify" or "adjust coverage"-select only "cancel" or "terminate policy"
4. Enter your preferred cancellation date
   • Choose a date within the next 14 to 30 days
   • Check that the date is correct before confirming
5. Review the cancellation summary
   • Verify your policy number, vehicle registration, and coverage end date
   • Check the estimated refund amount (if shown)
6. Confirm your cancellation request
   • Take a full screenshot of the confirmation page
   • Note any reference number or confirmation code provided

Within 24 to 48 hours, you should receive a cancellation confirmation email from Infinity Insurance. Save this email in a safe folder for your records.

Cancel by phone or email

If you prefer to speak with a representative or have questions during the cancellation process, you can cancel by phone. Contact Infinity Insurance customer service and request cancellation of your specific policy.

When you call, have your policy number, vehicle registration, and preferred cancellation date ready. The representative will confirm your identity, explain any refund due, and process your cancellation on the spot. Ask for a reference number and request written confirmation by email immediately after the call.

Alternatively, you can send a written cancellation request by email. Tocancel recommends this method because it creates a permanent record and forces the insurer to respond in writing. Your email should include your policy number, full name, vehicle registration number, and the exact date you want the policy to end.

Send your cancellation email to the contact address provided on Infinity Insurance's official website or in your policy documents. Use "Registered" or "Tracked" email to confirm delivery if sending from a Malaysian email service.

Step-by-step cancellation guide for tocancel users

Follow this structured approach to cancel Infinity Insurance with zero confusion and maximum protection for your refund.

Preparation: gather your information and plan your cancellation date

Before you initiate cancellation, collect the following details to ensure the process runs smoothly.

• Your policy number (found on your policy document or in your account)
• Your vehicle registration number
• The exact date you want the policy to end
• Your premium payment history (total amount paid)
• Your policy start and renewal dates
• A screenshot of your account dashboard showing your current coverage

Decide your cancellation date carefully. If you are switching to another insurer, ensure your new policy begins on or before your Infinity Insurance policy ends. This prevents a gap in coverage, which is illegal in Malaysia and may result in fines if you drive uninsured.

Cancellation: execute your chosen method

Choose one of the three methods above (online, phone, or email) and follow the steps exactly. Do not skip any confirmation screens or ignore requests for verification-these steps protect both you and Infinity Insurance.

As you go through the cancellation process, take screenshots of every major step: the cancellation request page, the summary page showing your cancellation date and refund amount, and the final confirmation page. If cancelling by phone, write down the representative's name, the time of the call, and the reference number given. If cancelling by email, keep a copy of your sent message and any reply from Infinity.

Tocancel users know that documentation is your shield against future billing mistakes or refund delays. The more evidence you keep, the faster any disputes resolve.

Confirmation: verify your cancellation in writing

Within 24 to 48 hours of your cancellation request, Infinity Insurance will send a confirmation email. Open this email immediately and check the following:

• Your policy number matches your cancelled policy
• The cancellation date is the date you requested
• The estimated refund amount is shown (or a statement that a refund will be calculated)
• A reference or confirmation number is provided

If any detail is wrong-for example, the cancellation date is incorrect or your policy number does not match-reply to the confirmation email immediately and request a corrected version. Do not assume the email is just a template; verify every detail.

Save this confirmation email in a separate folder and print a copy if you prefer a paper record. You will need this if a dispute arises with your refund or if Infinity continues to bill you after the cancellation date.

Refunds and what to expect after cancellation

Your refund is a separate process from cancellation, and understanding the timeline protects you from worry and prevents accidental overbilling.

How Infinity Insurance calculates your refund

Infinity Insurance uses a pro-rata calculation to determine your refund. This means your refund equals the unused portion of your annual premium, divided by the total policy period.

Some policies may include administrative fees or claim-related deductions. These deductions must be clearly disclosed in your policy document. If you are unsure why your refund is lower than expected, ask Infinity Insurance for an itemised breakdown in writing.

Refund timeline and how to track it

Infinity Insurance typically processes refunds within 30 to 60 days of your cancellation date. The timing depends on whether you cancelled mid-month or at a renewal date, and how quickly their accounting department processes your case.

After your cancellation date has passed, log into your Infinity account and check whether a refund status is shown. If not, contact customer service and request a refund status update. Always ask for a confirmation email showing the refund amount and expected deposit date.

If your refund does not arrive within 60 days, escalate to Tocancel for guidance on filing a formal complaint with Bank Negara Malaysia. A delayed refund may be a sign that Infinity has not processed your cancellation correctly, and regulatory intervention can speed up the resolution.

What to do if you do not receive your refund

If 60 days have passed and your refund has not been credited to your bank account, take action immediately. Send a written demand to Infinity Insurance by email and include your cancellation confirmation, policy number, and cancellation date. Give Infinity 14 days to respond with proof of the refund or a new expected date.

If Infinity does not respond or continues to delay, file a complaint with Bank Negara Malaysia. You can do this online at www.bnm.gov.my or call their consumer hotline. Provide your cancellation confirmation, emails, and proof that you have followed up. BNM can compel Infinity to pay your refund plus compensation for the delay.

Common mistakes to avoid when cancelling Infinity Insurance

Cancelling an insurance policy can feel stressful, and small mistakes can delay your refund or cause billing disputes. Here are the errors Tocancel sees most often-and how to avoid them.

Mistake 1: cancelling through the wrong menu option

Many customers accidentally click "modify coverage" or "adjust deductible" instead of "cancel policy." This changes your policy instead of ending it, and you continue to be billed. Always read the exact label of every button and menu option before clicking. If you are uncertain, stop and contact customer service by phone instead.

Mistake 2: not saving proof of your cancellation request

If you cancel online and do not take a screenshot of the confirmation page, you have no proof that you submitted the request. If Infinity later claims you never cancelled, you cannot dispute it. Screenshot every step: the cancellation form, the summary, and the confirmation page.

Mistake 3: cancelling during a renewal period

If your policy is due to renew in the next 14 days and you submit a cancellation request, some insurers will process the renewal first and then cancel. This means you are billed for another year. To avoid this, cancel at least 21 days before your renewal date, or call customer service to request cancellation before the renewal is processed.

Mistake 4: allowing a gap in insurance coverage

In Malaysia, driving an uninsured vehicle is illegal and can result in fines up to RM 3,000 and vehicle impoundment. If you cancel Infinity Insurance on 15 January and your new insurance starts on 20 January, you have a five-day gap. Always ensure your new insurance begins before or on the same day your Infinity policy ends.

Mistake 5: not following up on your refund

Many customers assume their refund will arrive automatically and do not check their bank account or ask for updates. If the refund is delayed, you must follow up within 30 days to prevent the claim from expiring. Tocancel recommends you check your bank account 45 days after your cancellation date, and if no refund has arrived, contact Infinity immediately.

Timeline: what happens after you cancel

Understanding the cancellation timeline prevents confusion and helps you plan your next steps with confidence.

This timeline assumes Infinity processes your cancellation on schedule. Delays can occur during renewal periods, month-end processing, or if you do not provide complete information. The more thorough your cancellation request, the fewer delays you will face.

Pricing and refund policy at Infinity Insurance

Understanding Infinity Insurance pricing helps you calculate your exact refund entitlement and spot calculation errors.

Actual premiums vary based on your vehicle, driving history, location in Malaysia, and claims history. The refund columns show approximate amounts assuming a simple pro-rata calculation with no deductions. Always ask Infinity for your exact refund amount before confirming your cancellation date.

Why you should cancel Infinity Insurance

You may have valid reasons to cancel, and your decision deserves respect. Common reasons include better rates elsewhere, switching to a competitor with superior customer service, selling your vehicle, or simply wanting to manage your insurance elsewhere.

If you are cancelling because of poor service-for example, slow claims handling or unresponsive customer support-consider filing a complaint with Bank Negara Malaysia before you leave. Your feedback helps BNM monitor insurer conduct and may help other customers.

Tocancel supports your right to choose the insurance provider that works best for you. Whatever your reason, you deserve a cancellation process free from obstacles, unnecessary delays, or hidden charges.

Contact details and escalation

Use these contacts to cancel Infinity Insurance or escalate a dispute if your cancellation or refund is not processed correctly.

Infinity Insurance contact information

• Website: Check the official Infinity Insurance website for the latest contact details and online cancellation portal
• Email: Use the support email address provided in your policy document or on the website
• Phone: Call the customer service line during business hours (typically Monday to Friday, 8:00 AM to 6:00 PM)
• In-person: Check if Infinity has a local office or service centre in Malaysia

Always contact Infinity using the official channels listed on their website or in your policy documents. Do not rely on phone numbers or email addresses found through third-party sources.

Escalation to bank negara malaysia

If Infinity Insurance refuses to cancel your policy, delays your refund beyond 60 days, or treats you unfairly in breach of the Consumer Protection Act 1999, escalate your complaint to Bank Negara Malaysia (BNM). BNM is the official financial regulator of Malaysia and oversees all insurance complaints.

• BNM website: www.bnm.gov.my
• BNM consumer complaints portal: File your complaint online with supporting documents
• BNM hotline: Call or email the consumer services department for guidance
• Timeline: BNM investigates complaints within 30 to 90 days and can compel Infinity to comply with your rights

To file a complaint with BNM, gather your cancellation confirmation, all emails from Infinity, your bank statements showing non-receipt of the refund, and a summary of the problem. BNM has the authority to fine Infinity or force refund payment if the insurer has acted in breach of Malaysian consumer law.

Key takeaways: your cancellation roadmap

Cancelling Infinity Insurance is straightforward when you understand your rights and follow a clear plan. The Consumer Protection Act 1999 protects you at every step-from the moment you request cancellation until your refund arrives. You have the right to cancel without unreasonable obstacles, receive a pro-rata refund within 60 days, and escalate to Bank Negara Malaysia if Infinity does not comply.

Here is your action plan: gather your policy number and cancellation date, choose your preferred cancellation method (online is fastest), submit your request and take screenshots, verify the confirmation email within 24 hours, ensure no gap in your insurance coverage, and follow up on your refund after 45 days if it has not arrived.

Tocancel has helped thousands of consumers cancel their insurance policies with confidence and secure their refunds without delay. Whether you are switching providers, selling your vehicle, or simply seeking better value, your right to cancel is protected by law. Trust the process, document every step, and do not hesitate to escalate to Bank Negara Malaysia if Infinity fails to honour its obligations. Your cancellation is yours to control.