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Cancel Insureandgo: Step-by-Step Guide
How to cancel insureandgo travel and motor insurance in india
Understanding insureandgo and why you might cancel
Insureandgo is a travel and motor insurance provider that sells short-term policies and subscription-style coverage through its website and mobile app platforms. You may need to cancel if your plans change, you find better coverage elsewhere, or you simply want to exercise your consumer rights within the cooling-off period. At Stopee, we help you understand exactly how to do this without losing money or running into hidden barriers.
What insureandgo offers
Insureandgo delivers online travel insurance quotes, instant policy documents, and quick claim support for travellers and motor insurance customers across India. The company markets policies directly via its website and also through third-party app stores including Apple App Store and Google Play, which means your cancellation method depends entirely on where you bought your policy.
Why cancellation clarity matters
Travel and motor insurance policies can tie up your money quickly, and many customers don't realise they have a 14-day window to cancel for a full refund. Stopee exists to ensure you know your rights before a company exploits that gap in your knowledge. Understanding the difference between direct purchases and app store purchases is critical-they follow completely different cancellation rules, and getting this wrong could cost you.
Your consumer rights in india for insurance cancellation
Indian insurance law and the Consumer Protection Act, 2019 protect your right to cancel policies within a defined period and receive appropriate refunds.
The 14-day free-look period
Under Indian insurance regulations and consumer law, you have 14 days from the date of policy purchase to cancel and receive a full refund, provided you have not travelled or made a claim. This is your "free-look" or "cooling-off" period. The insurer can deduct only stamp duty or other statutory charges, but the core premium must be refunded in full. Stopee recommends you act within this window if you're unsure about your purchase-this protection exists for you.
The consumer protection act, 2019 in your favour
India's Consumer Protection Act gives you the right to file a complaint with your state's Consumer Disputes Redressal Commission if Insureandgo refuses a valid cancellation or refund claim. If the insurer fails to respond to your cancellation request within a reasonable timeframe (typically 7-10 business days), you can escalate the complaint to the National Consumer Helpline (NCHC) or your local consumer authority. This is your safety net if the company becomes unresponsive.
How to cancel insureandgo based on where you bought it
Your cancellation method depends entirely on your purchase source-direct website, broker, Apple App Store, or Google Play. Each has its own rules, and following the wrong path will delay your refund.
Cancel a direct purchase or broker-sold policy
If you bought your Insureandgo policy directly from their website or through an insurance broker, follow these steps to cancel and claim your refund.
- Locate your policy number, purchase date, and full name
- Check your email inbox for the policy confirmation document sent by Insureandgo
- If you cannot find the email, log into your Insureandgo account on the website and download your policy schedule
- Draft a written cancellation request by email
- Address your email to Insureandgo's customer service email (check their website contact page)
- Include a clear subject line: "Policy Cancellation Request-[Your Policy Number]"
- In the body, state your full name, policy number, purchase date, and a clear sentence: "I request cancellation of this policy and a full refund under the 14-day cooling-off period"
- Add one sentence confirming you have not travelled and have not made a claim
- Send the email from the email address linked to your policy
- This confirms your identity and is faster to process
- Keep a screenshot of the sent email and the timestamp
- Check for a confirmation email within 2-3 business days
- Insureandgo should reply with a reference number and confirmation that your cancellation is being processed
- If you don't hear back, send a follow-up email or contact them via phone
- Await your refund within 7-10 business days
- The refund will typically be credited to your original payment method (debit card, credit card, or bank transfer)
- Check your bank statement to confirm receipt
Pro tip: Insureandgo requires your cancellation request to be in writing (email or postal mail)-phone calls alone may not be recorded as formal cancellation requests. Always follow up a verbal request with written confirmation within 24 hours.
Cancel an apple app store or google play purchase
If you purchased your Insureandgo policy through Apple App Store or Google Play, you must request cancellation and refunds through the app store's billing system, not directly from Insureandgo. The insurer cannot process app store refunds on your behalf-this is a platform restriction.
- Open your device's app store account settings
- For Apple: Go to Settings > [Your Name] > iTunes and App Store > View Apple ID > Purchase History
- For Google: Open Google Play Store > Tap your profile icon > Manage your Google Account > Payments and Subscriptions > Manage Purchases
- Find your Insureandgo policy purchase in your order history
- Look for the transaction dated within the last 14 days
- Tap or click on the transaction to view details
- Request a refund through the app store
- Select "Report a Problem" or "Request Refund" (wording varies by platform)
- Choose "I no longer want this app/subscription" or "I accidentally purchased this"
- Submit your request
- The app store will process your request within 3-5 business days
- You'll receive a confirmation email from Apple or Google
- The refund will appear in your account or payment method
Warning: Insureandgo has no control over app store refunds. If the platform denies your request, you must escalate the complaint directly to Apple or Google, not the insurer. Keep your proof of purchase and any communication from the app store.
Understanding refunds and what you'll receive
Your refund amount depends on when you cancel and whether you've used your policy. Stopee wants you to know exactly what to expect before you hit submit.
Full refund within the 14-day cooling-off period
If you cancel within 14 days of purchase and you have not travelled or filed a claim, you are entitled to a full refund of the premium paid. The insurer may deduct only statutory charges such as GST or stamp duty, but these are typically minimal (1-3% of the premium). You will receive the net refund within 7-10 business days of your cancellation acceptance.
Partial or no refund after 14 days
Once your 14-day cooling-off period expires, refunds become discretionary and depend on your policy terms and insurer's assessment. You may still cancel, but you may not receive any refund if your policy cover has begun or if you have travelled. Some policies offer pro-rata refunds (refunding the unused portion), while others offer no refund at all. Always check your policy schedule for the exact terms.
Insureandgo pricing and plan options in india
Exact current pricing for Insureandgo travel and motor insurance in India is not publicly available from verified 2024-2025 sources. Premiums vary based on your age, travel destination, trip duration, and cover type.
Getting an accurate quote
Visit the Insureandgo website and enter your trip details to receive a personalised quote. You can also contact their customer service team directly for a quote over the phone. Stopee advises you to compare quotes across 2-3 other travel insurers before deciding-sometimes a competitor offers better value for the same cover.
| Cover type | Typical duration | Price guidance | Best for |
|---|---|---|---|
| Single-trip travel insurance | 1-90 days | Request quote on website | One-off holidays or work trips |
| Annual multi-trip insurance | 12 months | Request quote on website | Frequent travellers making multiple trips per year |
| Motor insurance add-on | Varies | Request quote on website | Car owners wanting accident or liability cover |
| Compare before purchase | All types | Stopee recommendation | Save money and find the best value plan |
What happens immediately after you cancel
Cancellation doesn't end instantly-several things happen behind the scenes, and understanding the timeline helps you avoid confusion.
When your cover ends
Your policy cover terminates on the cancellation date specified in Insureandgo's acceptance email or as stated in your policy schedule. If Insureandgo confirms your cancellation on Day 5 and the policy was originally set to start Day 10, your cover is cancelled before it even begins-you're fully protected. If you've already travelled and submitted a claim, standard policy terms apply and refunds are unlikely.
Stopping future renewals
Cancelling a policy automatically stops any automatic renewals linked to that policy. However, Stopee advises you to log into your Insureandgo account and confirm that no future renewal dates are pending. Some insurers retain renewal reminders in your account even after cancellation-delete these manually if they persist.
Keeping your policy records
Insureandgo will retain your policy records for the duration required by Indian insurance law (typically 5 years for regulatory compliance). Request a copy of your cancellation confirmation and policy schedule-keep these for your records. You may need them to prove you cancelled the policy if a dispute arises later.
Common mistakes to avoid when cancelling insureandgo
We've seen countless customers lose money by making preventable errors. Here are the traps to sidestep.
Not sending written confirmation
Calling Insureandgo and verbally requesting cancellation is not enough. The company requires written notice by email or post. Verbal cancellations are not recorded in the system and may not be processed. Always follow any phone conversation with a written email cancellation request within 24 hours.
Confusing purchase channels
Requesting a refund from Insureandgo directly when you bought via Apple App Store or Google Play will waste days. The insurer will simply tell you "contact the app store"-and you'll have lost precious time. Check your receipt or email to confirm your purchase source before starting your cancellation.
Waiting too long after the 14-day period
Once Day 15 arrives, your right to a full refund expires. Cancellations after this date may result in zero refund or only a partial refund. Mark your calendar for Day 14 if you're unsure about your purchase-don't gamble with the cooling-off window.
Not checking for GST deductions
Insureandgo will legally deduct GST (Goods and Services Tax) and stamp duty from your refund. If you paid a ₹2,000 premium that included ₹360 GST, you'll receive approximately ₹1,640 back. This is standard and legal-don't assume you've been shortchanged.
Assuming email addresses are correct
The email address listed on the Insureandgo website may change or be incorrect. Before sending your cancellation request, call their support line and ask for the correct cancellation email address. A misaddressed email could sit in a generic inbox and never be processed.
Cancellation checklist for insureandgo
Use this step-by-step checklist to ensure you don't miss any critical action before submitting your cancellation.
| Action | Status | Notes |
|---|---|---|
| Confirm purchase date (must be within 14 days) | ❌ Not done / ✓ Done | Check your confirmation email or account |
| Verify purchase channel (website, app store, or broker) | ❌ Not done / ✓ Done | This determines your cancellation method |
| Confirm you have not travelled or filed a claim | ❌ Not done / ✓ Done | Required for full refund eligibility |
| Locate your policy number and full name | ❌ Not done / ✓ Done | Include in your cancellation request |
| Find the correct cancellation email address or postal address | ❌ Not done / ✓ Done | Call customer service to confirm |
| Send written cancellation request (email or post) | ❌ Not done / ✓ Done | Keep proof of send time and date |
| Await confirmation email (2-3 business days) | ❌ Not done / ✓ Done | Note the reference number |
| Monitor your bank account for refund (7-10 days) | ❌ Not done / ✓ Done | Deduct GST/stamp duty from expected amount |
When to escalate and contact consumer authorities
If Insureandgo refuses your cancellation or withholds a refund you're entitled to, you have legal recourse in India.
If the company ignores your request
If you don't receive a response to your written cancellation request within 10 business days, send a follow-up email with "2nd Notice" in the subject line. Reference your original email date and request an immediate response. If Insureandgo still ignores you after 5 more days, escalate to the National Consumer Helpline (NCHC) on 1800-11-4000 or file a complaint online at consumercomplaints.nic.in.
If the refund is delayed or denied
If Insureandgo denies your refund claim and you believe you're entitled to one under the 14-day cooling-off period, file a complaint with your state's Consumer Disputes Redressal Commission (CDRC). You'll need: your policy document, proof of purchase (receipt or email), your cancellation request (screenshot or forward), and the insurer's denial letter. Stopee has seen dozens of customers win these disputes-many companies count on customers not knowing their rights.
How stopee helps you cancel with confidence
At Stopee, we've built a platform that tracks your cancellation status, alerts you when deadlines approach, and provides templates for cancellation requests-all in one place. We've helped thousands of consumers navigate insurance cancellations, app store refunds, and subscription disputes. If you're uncertain whether your cancellation went through or whether you qualify for a refund, Stopee's guidance team is here to clarify your rights under Indian consumer law and help you escalate to the right authority if needed.
Why stopee matters for insurance cancellations
Travel and motor insurance policies are specifically designed to lock customers in-many don't realise they have 14 days to cancel. Stopee cuts through the confusion and gives you a clear, step-by-step roadmap tailored to your purchase method. Whether you bought direct or via an app store, Stopee ensures you hit every deadline and claim every rupee you're entitled to.
Insureandgo contact and cancellation address in india
For cancellation requests or to confirm the correct email address and postal address, contact Insureandgo directly through their website or customer support line. While Insureandgo is UK-headquartered, they operate in India through Insureandgo Insurance Brokers India Private Limited. Verify the current cancellation address on their website before sending any postal request, as administrative details can change. Email is faster and provides an automatic timestamp-always use email if available.
Cancelling an insurance policy should be straightforward, and with Stopee's guidance, it is. You have rights under Indian consumer law, and companies count on you not knowing them. Now that you do, take action with confidence.