Manage More Than

How to cancel more than insurance in the UAE: your complete step-by-step guide

Understanding more than insurance and why you might cancel

More Than is an insurance provider offering home, pet, and related coverage designed to protect you and your household against common risks. The brand operates across the UAE, issuing policies, renewal notices, and customer communications to policyholders like you.

You might be thinking about cancelling your More Than policy for several reasons: you've found cheaper coverage elsewhere, your circumstances have changed, or you simply want to switch insurers. Whatever your reason, you deserve a clear, transparent process-and that's exactly what Stopee helps you navigate.

Who this guide is for

This guide is written for you if you hold a More Than insurance policy in the United Arab Emirates and want to understand your cancellation options, refund eligibility, and consumer rights. It covers the methods you can use, step-by-step instructions, what happens after you cancel, and how to protect yourself throughout the process.

Your consumer rights in the united arab emirates

Before you cancel, you should know your legal standing. UAE consumer protection law requires fair treatment, transparent contract terms, and honest commercial practices from all insurers, including More Than.

Key protections that apply to your policy

You have the right to receive a copy of your full insurance contract in writing. You also have the right to clear information about premiums, coverage limits, exclusions, and renewal dates before you commit. If More Than fails to provide this clarity or misrepresents a product, you can escalate a complaint.

Under UAE law, you can cancel a contract within a specified cooling-off period if one applies to your product type. For some insurance products, especially those sold online or through apps, you may have up to 14 days to withdraw without penalty. Stopee encourages you to check your policy documents for any cooling-off clause-it's often printed in the terms and conditions section.

If More Than refuses to cancel your policy or delays processing your cancellation request, you can lodge a complaint with the Central Bank of the UAE or the relevant consumer authority in your emirate. Keep all communications, emails, and proof of your cancellation request as evidence.

Enforcement and dispute resolution

The UAE has consumer protection frameworks at both the federal level (Central Bank oversight) and emirate level (local consumer protection departments). If you disagree with More Than about a refund or cancellation terms, you can file a formal complaint. Stopee recommends documenting every step: screenshots of emails, copies of your cancellation letter, and records of phone calls (date, time, person's name).

Cancellation methods available to you

More Than offers three primary ways for you to request cancellation: post, phone, and email via a contact form. There is no option to cancel directly through your online account or mobile app, so you must initiate the request manually.

Comparing your cancellation options

Pro tip: Use post for your primary cancellation request-it creates an auditable paper trail that protects you if More Than disputes your request later. Follow up with a phone call to confirm receipt and ask for a written acknowledgement.

Step-by-step cancellation process

Here is how to cancel your More Than insurance policy using the most effective method-recorded post, backed by a phone follow-up.

Recommended cancellation steps

1. Gather your policy documents and locate your full policy number, personal ID details, and current premium amount.
   • Check your latest renewal notice or policy certificate for this information.
   • Have your contact phone number and email address ready.
2. Draft a formal cancellation letter on plain paper or your computer that includes:
   • Your full name (exactly as it appears on your policy).
   • Your policy number.
   • Your personal ID (Emirates ID or passport number).
   • Your contact email and phone number.
   • Your preferred cancellation date (for example, "I request my policy to be cancelled effective [date]").
   • A clear statement: "I hereby request cancellation of the above policy from [date]. Please confirm receipt and the effective cancellation date in writing."
   • Your handwritten signature and today's date.
3. Print your letter and sign it by hand. If you prefer, type the full letter and print it, then sign the printed version.
   • Keep a photocopy or PDF scan for your records.
4. Address your envelope to the More Than office (exact address to be confirmed with their customer service).
   • Write "CANCELLATION REQUEST" on the front of the envelope.
5. Send your letter by recorded post or a courier service that provides proof of delivery (such as DHL or FedEx in the UAE).
   • Keep your receipt and tracking number.
   • Request a delivery receipt when you post it.
6. Wait 3-5 business days for More Than to receive your letter, then phone their customer service line.
   • Ask to speak to a representative and provide your policy number.
   • Say: "I posted a cancellation letter on [date]. Can you confirm you received it and the effective cancellation date?"
   • Request that they email you a written confirmation of your cancellation and the date it becomes effective.
   • Note the date, time, and representative's name in writing.
7. If you do not receive written confirmation by email within 2 business days, call again and escalate your request.
   • Ask for a supervisor if the first representative cannot provide a confirmation email.
   • Stopee advises you to remain polite but firm: "I need written confirmation of my cancellation request for my records."

Alternative: phone and email method

If you prefer not to use post, you can call More Than's customer service and request cancellation by phone, followed immediately by a confirmation email.

1. Call More Than's customer service number during business hours.
   • Have your policy number and ID details ready.
2. Explain your request clearly: "I want to cancel my policy effective [date]. Can you process this and email me a confirmation?"
   • Note the representative's name, call time, and any reference number they provide.
3. After the call, send a follow-up email to More Than's contact form or email address, referencing the phone call and repeating your cancellation request in writing.
   • Keep a copy of your email.
4. Wait for a reply email confirming the cancellation. If you do not receive one within 3 business days, call again and escalate.
   • Warning: A phone conversation alone is not sufficient proof. You must have written confirmation.

What happens to your coverage after cancellation

Cancelling your More Than policy stops your premium payments and ends your coverage on the date More Than confirms in writing. Understanding the timeline protects you from gaps in coverage or unexpected charges.

Coverage and payment timeline

In most cases, your coverage remains in force until the end of your paid policy period, unless More Than agrees to an earlier cancellation date. For example, if you cancel on the 15th of a month but your premium was paid through the 30th, you may remain covered until the 30th-even after you've requested cancellation.

If you want your coverage to stop immediately, state this clearly in your cancellation letter: "I request my coverage to terminate immediately upon receipt of this letter." More Than will then confirm whether they can honour an immediate end date or if you remain covered until the end of the billing period.

Pro tip: Check with your new insurer before your More Than policy ends to avoid any gap in coverage. You do not want to find yourself uninsured for even a few days.

Your data and records

More Than will retain your policy and contact records as required by UAE insurance regulations and their internal data policies. They typically keep records for a minimum of 3 years. You should request a written confirmation that your policy has been cancelled and keep this letter along with any reference number they provide. If you need to make a future claim (for example, a claim under an old policy), this documentation will help prove when your coverage ended.

Refund eligibility and how to claim

Refund eligibility depends on your policy type, when you cancel, and whether More Than has already delivered the service for the period you paid. Stopee wants you to understand this upfront to avoid disappointment.

When you are likely to receive a refund

If you cancel within a cooling-off period (typically 14 days from the contract date for direct online sales), you may be entitled to a refund of your premium, minus any costs More Than incurred. Check your policy documents for a cooling-off clause.

If you cancel mid-policy and More Than has not yet provided coverage for the full billing period, you may receive a pro-rata refund. For example, if you paid for 12 months but cancel after 3 months, More Than might refund 9/12 of your premium (less any admin fees).

Some products, such as MoreThanHealth-type memberships, explicitly include a 14-day right to cancel with a full refund within that window. Check your renewal notice to see if yours does.

When you are unlikely to receive a refund

If you are outside the cooling-off period and you cancel mid-policy, More Than may not offer a refund. Insurance is typically sold on a use-it-or-lose-it basis: once the insurer has accepted your application and provided coverage for any portion of the billing period, they have delivered the service and may not refund the full amount.

Warning: Do not assume you will receive a refund without asking. Always include in your cancellation letter: "Please confirm whether I am eligible for any refund and the amount, if applicable." Stopee has helped thousands of consumers recover small refunds simply by asking clearly in writing.

Pricing and plan information for UAE customers

More Than offers home insurance, pet insurance, and other products in the UAE, but pricing varies significantly based on your coverage needs, location, and risk profile.

Current pricing overview

For accurate pricing in AED, contact More Than directly or speak to your insurance broker. Request a personalised quote that outlines all premiums, deductibles, and exclusions before you commit.

Common mistakes to avoid when cancelling

Cancelling an insurance policy can feel stressful, and it is easy to make missteps that delay the process or cost you money. Here are the pitfalls Stopee sees most often, and how to sidestep them.

Mistake 1: assuming a phone call alone is enough

You call More Than, speak to a representative, and believe you have cancelled. Three weeks later, another premium is charged. This happens because phone conversations leave no paper trail. Always follow a phone call with written confirmation-either by sending your own email or by requesting that More Than sends you one.

Mistake 2: not providing your policy number clearly

If your cancellation letter or email does not include your full policy number, More Than may struggle to locate your account. This can cause delays of weeks. Check your renewal notice and write your policy number in full, in your cancellation letter.

Mistake 3: cancelling online through a third-party marketplace by accident

If you purchased your More Than policy through an app or a third-party platform (such as a comparison site), cancelling your policy with More Than does not automatically cancel your subscription with that platform. Log into the platform where you originally bought it and cancel your subscription separately. Otherwise, it may continue to charge you renewal fees.

Mistake 4: failing to confirm the effective cancellation date

More Than may acknowledge your request but not clearly state the date your coverage ends. This leaves you uncertain about whether you are still covered. Always ask: "What is the exact date my coverage will terminate?" and get this in writing.

Mistake 5: not keeping copies of everything

You send a cancellation letter but do not keep a copy or proof of postage. If a dispute arises later, you have no evidence you requested cancellation. Always keep:

• A photocopy or PDF of your cancellation letter.
• Your postage receipt and tracking number (if using post).
• Copies of all emails to and from More Than.
• Notes of every phone call (date, time, representative's name).

Checklist for a smooth cancellation

Use this checklist to ensure you have covered every step and protected yourself throughout the process.

• Gather your policy number, personal ID, and current premium details.
• Check your policy documents for any cooling-off period or early-cancellation terms.
• Draft your cancellation letter with your full name, policy number, ID, and requested cancellation date.
• Print, sign, and photocopy your letter.
• Send it by recorded post and keep your receipt and tracking number.
• Wait 3-5 business days, then phone More Than to confirm receipt.
• Request written confirmation by email within 2 business days.
• If you do not receive written confirmation, call again and escalate to a supervisor.
• Confirm the effective cancellation date in writing.
• Ask whether you are eligible for any refund and when it will be processed.
• Keep all letters, emails, receipts, and notes in a folder for your records.
• Verify that your new insurer's coverage starts before your More Than policy ends.
• Monitor your bank account for the next two billing cycles to ensure no further premiums are charged.

What to do after your cancellation is complete

Cancelling your policy is just the start. The weeks after cancellation are when problems often emerge, and it is essential that you remain vigilant to protect yourself.

Immediate actions

Once you receive written confirmation that your More Than policy has been cancelled, make a note of the effective date. Verify that your new insurer's policy starts on or before this date-you must not have a gap in coverage. If your new coverage does not start until after your More Than policy ends, contact your new insurer and ask them to backdate your start date or confirm that you will be covered from day one.

Monitor your bank account

For the next two to three months, watch your bank or credit card statements closely. More Than should not charge you any further premiums after your cancellation date. If you see a charge after your confirmed cancellation date, contact them immediately and ask for an explanation. If it is an error, request an immediate refund and evidence of the refund in writing.

Follow up on refunds

If More Than promised you a refund, ask when you should expect to see it. In the UAE, refunds are typically processed within 5-10 business days. If you do not see a refund within two weeks of your cancellation date, follow up by phone and email. Keep all communications.

Save your cancellation documents

Archive your cancellation letter, confirmation email, postage receipt, and all phone call notes. More Than may contact you in the future (for example, if you made a claim under the old policy), and these documents prove when your coverage ended. Stopee recommends keeping these records for at least 3 years.

How stopee can help you

Cancelling an insurance policy should be straightforward, but it often is not. More Than may delay responding to your request, fail to send written confirmation, or process a refund incorrectly. Stopee has helped thousands of consumers navigate these exact situations and recover money that was rightfully theirs.

When you visit Stopee (stopee.com), you can access:

• A library of verified cancellation processes for hundreds of services, including More Than.
• Step-by-step guides tailored to your country and language, so you know exactly what to expect.
• Tools to track your cancellation request and document every interaction.
• Consumer rights information for your region, so you know when to escalate a complaint.
• Checklists and templates you can use to draft a professional cancellation letter.

Stopee exists to empower you to take control of your subscriptions, policies, and recurring payments. You should never feel trapped by a contract or uncertain about your rights. Stopee is here to change that.

Final summary and next steps

Cancelling your More Than insurance policy is achievable in three steps: draft a formal letter, send it by recorded post, and follow up with a phone call to secure written confirmation. You have consumer rights in the UAE that protect you against unfair contract terms, and you can escalate complaints to the Central Bank or your emirate's consumer authority if More Than refuses to cooperate.

Refunds are not guaranteed once you are outside the cooling-off period, but always ask in writing. Keep every document, monitor your bank account, and verify that your new coverage is in place before your old policy ends. Common mistakes-like relying on phone calls alone or failing to provide your policy number clearly-can delay your cancellation by weeks, but you can avoid them using the step-by-step guide above.

More Than's customer service address and contact details are essential to have before you start. Confirm the correct postal address with their customer service team before you mail your cancellation letter. Stopee has helped thousands of consumers cancel their policies smoothly and recover refunds they were owed. Start your cancellation today, stay organised, and know that you have consumer protection law on your side in the UAE. Visit Stopee.com for more support.