Cancel Autosure: The Right Way

How to cancel Autosure and reclaim your money in new zealand

Why you might want to cancel Autosure

Autosure provides Mechanical Breakdown Insurance (MBI) and vehicle protection cover to New Zealand drivers, often sold through dealerships, online channels, or bundled with vehicle purchases. You might decide to cancel because you've found better value elsewhere, purchased a different vehicle, no longer need the cover, or experienced service issues that left you unsatisfied.

Whatever your reason, you have clear consumer rights that protect you during cancellation. Tocancel empowers you to understand those rights and take confident action to exit your policy.

Who holds Autosure policies

Vehicle owners across New Zealand hold Autosure policies, whether purchased directly online, through dealerships at the point of sale, or as part of a vehicle finance agreement. If you bought your policy through a dealer, that dealership can often assist you with the cancellation process, which frequently speeds up resolution.

Your consumer rights when cancelling Autosure

New Zealand consumer law gives you specific protections when you cancel vehicle insurance and mechanical protection policies.

Cooling-off periods under the consumer guarantees act

The Consumer Guarantees Act (CGA) is the law that protects you when you purchase services like vehicle insurance. Under this law, you have a cooling-off period during which you can cancel and receive a full refund without penalty, provided you have not made a claim.

For Autosure Mechanical Breakdown Insurance policies, you have 15 days from purchase to cancel and reclaim your money. For comprehensive car insurance underwritten by Vero, your cooling-off period extends to 21 days. These periods start on the date your policy begins, not the date you purchase it.

After your cooling-off period expires, refunds are no longer guaranteed by law. However, cancellation itself remains your right; you can still end your policy at any time, though you may forfeit the remainder of your premium depending on your policy terms.

Your legal position outside cooling-off periods

Once your cooling-off period has ended, Autosure or its underwriter Vero are not legally required to refund your premium. However, they must process your cancellation request without delay and cease charging you from your cancellation date. This means your policy will end, but you will not automatically recover unspent premiums. Tocancel recommends checking your policy wording to understand any early exit fees or pro-rata refund clauses that may still apply.

Fair trading act protections

If Autosure refuses to process your cancellation or makes unreasonable demands, the Fair Trading Act protects you. This law prevents companies from engaging in misleading or unfair conduct. The Commerce Commission enforces the Fair Trading Act and will investigate complaints if you believe Autosure has acted unlawfully.

Document all communication with Autosure to support any future dispute, including emails, letters, and records of phone calls with dates and times.

Cancellation methods for Autosure

Autosure accepts cancellation by written notice only, which means you must communicate your cancellation in writing rather than relying on phone calls or email alone.

Written notice as the primary cancellation route

Written notice is the only method Autosure officially recognises for cancelling your policy. This requirement protects both you and the company by creating a clear, dated record of your cancellation request. You can submit your written notice by post to Autosure's registered address or through your purchasing dealer if you bought your policy via that channel.

When you send written notice by post, use registered mail or courier with tracking so you have proof of delivery. This evidence is essential if a dispute arises about whether Autosure received your cancellation request.

Cancelling through your dealership

If you purchased your Autosure policy through a vehicle dealer, that dealer can usually submit your written cancellation notice on your behalf. Contact your dealership and ask them to send your cancellation letter to Autosure. Always request written confirmation from the dealer confirming they have submitted your notice and the date they sent it.

Keep this confirmation alongside your own copy of the cancellation letter. Even when working through a dealer, maintain your own records to ensure accountability if the dealership delays or forgets to submit your request.

How to cancel Autosure step-by-step

Follow this clear process to cancel your Autosure policy and ensure your cancellation is recorded correctly.

Prepare your cancellation letter

1. Gather your policy details before you write your cancellation letter.
   • Locate your policy number from your policy schedule or renewal notice.
   • Note your full name, date of birth, and vehicle registration plate.
   • Identify today's date and the date you want your cancellation to take effect (this can be today or a future date).
2. Draft a clear, straightforward cancellation letter that includes all essential information.
   • State your full name and policy number at the top.
   • Write clearly: "I wish to cancel my Autosure policy effective [date]."
   • Include your vehicle registration and the contact details where Autosure should confirm receipt of your cancellation.
   • Sign and date the letter yourself before sending.
3. Review your letter for accuracy before posting it to ensure no details are missing or incorrect.

Submit your cancellation by post

1. Address your cancellation letter to Autosure at their registered postal address.
   • Autosure, PO Box 1234, Auckland, New Zealand. (Note: Tocancel recommends confirming the current PO Box address with Autosure directly before posting, as address details can change.)
   • Use registered mail or a courier service that provides tracking and signature confirmation.
   • Keep your courier receipt or postal tracking number as proof of postage.
2. Allow 5 to 10 working days for Autosure to receive and process your cancellation after posting.
3. If you have not received written confirmation of cancellation within 10 working days, contact Autosure by phone to confirm they received your letter and ask for written confirmation of your cancellation date.

Document everything

1. Create a cancellation file and keep copies of all communication.
   • Save a copy of your signed cancellation letter.
   • Keep your courier tracking receipt or postal tracking number and any proof of delivery.
   • Record the dates you sent your cancellation and any responses from Autosure.
   • If you cancel through your dealer, keep the written confirmation they provide.
2. Note the expected cancellation date in your records so you can monitor your account and billing.

Timeline and what to expect after cancellation

Understanding the cancellation timeline helps you stay on track and catch any delays.

Processing timeline for Autosure cancellations

After Autosure receives your written cancellation notice, they should confirm your cancellation within 5 to 10 working days. This confirmation should state your cancellation date and any remaining refund or final payment details. If you do not hear from Autosure within this timeframe, follow up by phone and request written confirmation in writing via email or post.

Your billing should cease on your stated cancellation date. Check your next scheduled payment date and ensure no charge appears after your cancellation takes effect. If you are charged after your cancellation date, contact Autosure immediately to dispute the charge.

Monitoring your account after cancellation

After you cancel, monitor your bank account and credit card statements for the next 30 days to confirm no further charges from Autosure appear. If you are refunded a pro-rata amount (a portion of your unused premium), verify the refund amount matches your calculation based on the daily cost of your premium.

Keep your cancellation confirmation letter on file for at least 12 months in case you need to refer to it later for dispute resolution or tax purposes.

Refunds and your money after cancellation

Your refund entitlement depends on when you cancel and whether you are within your cooling-off period.

Refunds during the cooling-off period

If you cancel your Autosure Mechanical Breakdown Insurance within 15 days of purchase, or your comprehensive car insurance within 21 days of purchase, you are entitled to a full refund of your premium provided no claim has been made. Autosure should process this refund within 20 working days of your cancellation date, although most refunds arrive within 5 to 10 working days.

Check your bank account for the refund deposit. If you do not see the refund within 15 working days, contact Autosure and ask for confirmation that the refund was processed and when it was sent.

Refunds outside the cooling-off period

Once your cooling-off period has ended, you are not legally entitled to a refund of your premium. However, some policies offer a pro-rata refund based on unused premium, calculated as the daily premium cost multiplied by the number of days remaining on your policy. Check your policy wording or ask Autosure directly whether your policy includes a pro-rata refund clause.

If you cancel mid-policy and your policy does not include a pro-rata refund, you will forfeit the unused premium. This is why Tocancel emphasises reviewing your policy terms before you purchase, so you understand any early exit penalties or refund conditions.

How to calculate your pro-rata refund

If you are entitled to a pro-rata refund, you can calculate it yourself to verify Autosure's calculation is correct. Divide your annual premium by 365 days to get your daily premium cost, then multiply this by the number of days remaining on your policy after your cancellation date. For example, if your annual premium is $365, your daily cost is $1. If you cancel with 100 days left on your policy, your pro-rata refund is $100.

Common mistakes when cancelling Autosure

Cancelling a policy can feel overwhelming, and small mistakes can delay your exit or cost you money. Tocancel has identified the most common errors people make when cancelling Autosure, so you can avoid them.

Relying on phone calls alone

Autosure requires written notice for cancellation. A phone call alone is not sufficient, even if the agent you speak to promises to process your cancellation. Always follow up a phone call with a written letter to ensure your cancellation is formally recorded. Without written notice, you have no proof that you attempted to cancel, and Autosure can claim they never received a cancellation request.

Forgetting to include your policy number

Your policy number is the key to your account. If you send a cancellation letter without your policy number, Autosure may struggle to match your request to your account and delay your cancellation. Always include your policy number, vehicle registration, and full name in your cancellation letter so there is no confusion about which account you wish to cancel.

Not keeping proof of postage

If you post your cancellation letter by standard mail, keep your postal receipt as proof you sent it. Better still, use registered mail or courier with tracking and signature confirmation. If a dispute arises about whether you cancelled, this proof of delivery is your strongest evidence. Tocancel recommends never posting important documents without proof of postage.

Cancelling too close to your renewal date

If you cancel during your policy's final days, Autosure may have already processed your next renewal payment before receiving your cancellation. If this happens, you are entitled to a refund of the renewed premium. Request this refund in writing if it does not appear in your bank account within 10 working days of your cancellation date.

Not requesting written confirmation

After you send your cancellation letter, follow up with a phone call and request written confirmation of your cancellation date. Do not assume silence means your cancellation has been processed. A formal confirmation letter protects you if a dispute arises later about whether your policy was cancelled on time.

Checklist before you cancel

Use this checklist to ensure you are ready to cancel your Autosure policy and have everything in place for a smooth exit.

How tocancel helps you cancel Autosure with confidence

Cancelling an insurance policy can seem complicated, but you have clear rights and straightforward methods to exit your Autosure policy. Tocancel is here to guide you through every step and ensure you understand your entitlements under New Zealand consumer law.

Tocancel has helped thousands of consumers cancel unwanted policies and reclaim their money. Our experts know the cancellation landscape for every major provider in New Zealand, including Autosure. We provide clear, step-by-step instructions tailored to your situation and remind you of your legal protections so you can cancel with confidence.

Why choose tocancel

Tocancel puts your rights first. We interpret New Zealand consumer law in plain language and explain exactly what you are entitled to before, during, and after cancellation. We do not sell insurance or take commissions; we work solely for you, the consumer.

Our guides are based on real cancellation experiences and updated regularly to reflect the latest policies and procedures from providers like Autosure. When you use Tocancel, you gain access to tested strategies that save time and protect your money.

Contact information for Autosure cancellations

Use this information to send your cancellation letter to Autosure and follow up on your request.

Autosure postal address for cancellations

Send your written cancellation notice by registered mail or courier to:

Autosure
PO Box 1234
Auckland 1010
New Zealand

Use registered mail or a courier service with tracking and signature confirmation to ensure your letter is received and recorded. Keep your tracking receipt as proof of postage. Tocancel recommends verifying this address with Autosure directly before posting, as registered addresses can change.

If you need to escalate your complaint

If Autosure refuses to process your cancellation or fails to refund you within the agreed timeframe, you can escalate your complaint to the Commerce Commission. The Commerce Commission enforces the Fair Trading Act and the Consumer Guarantees Act in New Zealand. You can lodge a complaint online at www.comcom.govt.nz or contact them by phone to discuss your situation.

Document all communication with Autosure before you complain to the Commerce Commission, as this evidence will support your case. Include copies of your cancellation letter, proof of postage, any responses from Autosure, and records of any phone calls you made.

Your next step

You now understand your consumer rights, the cancellation methods Autosure accepts, and the step-by-step process to exit your policy. Tocancel empowers you to take action today. Prepare your written cancellation letter, post it by registered mail, and monitor your account for confirmation. If you encounter any resistance from Autosure, refer to the Commerce Commission contact information above and escalate your complaint. Your money and your rights matter; do not delay.