Manage Autosure
What you don't know !
Silent Waste
84%
of people lose money every month on unused services
Lack of Transparency
60%
of users feel lost facing cancellation terms
Budget Illusion
82%
of consumers underestimate the cost of their automatic withdrawals
Fear of Commitment
44%
of subscribers have experienced a 'commercial trap' experience
Legal Validation
All our letters are written by legal experts to guarantee their compliance.
Legal Commitment
We generate legally binding documents that your provider is obligated to honor.
Immediate Efficiency
Free yourself from your commitments in less than 2 minutes, directly online.
Budget Optimization
Regain control of your finances by stopping superfluous withdrawals.
Cancel Autosure: The Right Way
How to cancel autosure and reclaim your money in new zealand
What is autosure and why you might want to cancel
Autosure is a New Zealand vehicle protection provider offering Mechanical Breakdown Insurance (MBI) and comprehensive car insurance products designed to cover major mechanical and electrical failures. Some policies are sold through dealers, web channels, or underwritten by third parties like Vero for comprehensive cover.
You might want to cancel if you've found better value elsewhere, purchased a different vehicle, no longer need the cover, or experienced poor service. Whatever your reason, you have consumer rights that protect you during cancellation, and Stopee is here to guide you through every step.
Who typically holds autosure policies
Vehicle owners across New Zealand hold Autosure policies, either purchased directly online, through dealerships, or as part of a vehicle purchase agreement. If you bought your policy through a dealer, that dealer can assist with cancellation steps, which often speeds up the process.
Your consumer rights in new zealand
New Zealand consumer law protects you when cancelling vehicle insurance and mechanical protection policies.
Consumer guarantees act and cooling-off periods
The Consumer Guarantees Act (CGA) provides you with protection on services purchased. For Autosure, you have a 15-day cooling-off period for Mechanical Breakdown Insurance policies and a 21-day cooling-off period for comprehensive car insurance underwritten by Vero. During these windows, you can cancel and receive a full refund provided no claim has been made.
After these periods, refunds depend on your policy terms and the underwriter's practice. Outside the cooling-off period, Autosure or Vero are not legally obligated to refund you, though cancellation itself remains your right.
Fair trading act escalation
If Autosure refuses to process your cancellation or makes unfair demands, the Fair Trading Act protects you. The Commerce Commission enforces this Act, and you can lodge a complaint if you believe the company has acted unlawfully. Stopee recommends documenting all communication with Autosure to support any future dispute.
Cancellation methods for autosure
Autosure accepts cancellation by written notice only, which means you must submit your request in writing rather than by phone or email alone.
Primary cancellation route
Written notice is the only method Autosure officially recognises for cancelling your policy. This protects both you and the company by creating a clear record of your cancellation date. You can post your written notice directly to Autosure's registered address or send it through your purchasing dealer if you bought via that channel.
Using a dealer to cancel
If you purchased your Autosure policy through a vehicle dealer, that dealer can usually assist with cancellation. Ask the dealer to submit your written cancellation notice to Autosure on your behalf, but always request written confirmation that they have notified Autosure and the date they sent it. Keep this confirmation for your records alongside your own copy of the cancellation letter.
How to cancel autosure step-by-step
Follow these clear steps to cancel your Autosure policy and ensure your cancellation is processed correctly.
Postal cancellation process
- Gather your policy details. Locate your policy number, vehicle registration, and any correspondence from Autosure.
- Find your policy number on your policy schedule or renewal notice.
- Note your full name and vehicle details (make, model, registration plate).
- Prepare your written cancellation letter. Use plain language and include all essential information.
- State clearly: "I wish to cancel my Autosure policy effective [date you want it cancelled]."
- Include your policy number, full name, vehicle details, and contact phone number.
- Optionally state your reason for cancellation (not required, but helps Autosure understand your feedback).
- Keep the letter brief and professional - one page is sufficient.
- Prepare copies of supporting documents to speed processing.
- Photocopy your policy schedule or most recent renewal notice.
- Include proof of purchase (email confirmation, receipt, or dealer paperwork).
- Attach these copies to your cancellation letter.
- Post your cancellation letter to Autosure's registered address. Use a postal method that provides proof of delivery.
- Send to: PO Box 33 1248, Takapuna, Auckland 0740, New Zealand.
- Use NZ Post Tracked or Registered Mail to obtain proof of postage.
- Standard post is acceptable but leaves no proof of delivery - tracked is safer.
- Keep copies of everything you post. File away your cancellation letter, supporting documents, and proof of postage.
- Photograph or scan your letter before posting.
- Save the NZ Post receipt or tracking number.
- This protects you if Autosure later claims they never received your request.
- Follow up with Autosure within 10 business days if you have not received cancellation confirmation.
- Contact Autosure by phone or through your original sales channel.
- Provide your tracking number and policy number.
- Request written confirmation of cancellation and the effective date.
Dealer-assisted cancellation process
- Contact your dealer in writing. Send an email or letter clearly stating you wish to cancel your Autosure policy.
- Include your policy number and vehicle details.
- Request the dealer cancel the policy effective a specific date (e.g., "effective 15 days from today").
- Ask the dealer to confirm they have notified Autosure.
- Obtain written confirmation from the dealer. The dealer must provide proof they have submitted your cancellation to Autosure.
- Request a confirmation email or letter with the date they notified Autosure.
- If the dealer is reluctant, follow the postal method directly to Autosure instead.
- Contact Autosure directly if the dealer does not confirm within 5 business days. Do not assume the dealer has processed your cancellation.
- Use the postal method to ensure your cancellation is recorded.
- Keep the dealer's confirmation along with your own cancellation letter.
What to expect after cancellation
Cancellation involves several important changes to your cover and records that you must understand.
Cover cessation and proof of cancellation
Once Autosure accepts your cancellation, your policy cover will cease on the cancellation date you specified or the date Autosure processes your request, whichever is clearer. Pro tip: always specify an exact date in your cancellation letter (e.g., "effective 1 December 2024") to avoid confusion. Request written confirmation from Autosure stating the exact date your cover ends - this protects you if a claim is disputed later.
Keep this confirmation safely. You may need it to prove your cover was no longer active if an incident occurs after cancellation or if you need to demonstrate you have alternative cover to another insurer.
Automatic renewal and replacement cover
Autosure will not automatically renew your policy once you cancel - you must actively arrange replacement cover if you need it. Warning: do not allow a gap in your vehicle protection, especially if you drive regularly. If you cancelled MBI, consider whether you need comprehensive car insurance or another MBI provider. If your car is financed, your lender may require you to maintain comprehensive cover.
Arrange your replacement cover before your Autosure policy ends to avoid any uninsured period.
Data retention and record keeping
Autosure retains your policy details and correspondence for compliance and claims purposes. Your data will remain on file even after cancellation - this is standard practice under New Zealand data protection law and allows Autosure to process any outstanding claims or refunds. You can request copies of your file by contacting Autosure directly.
Refund eligibility and timelines
Whether you receive a refund depends on the type of policy you hold, when you cancel, and whether you have made any claims.
Mechanical breakdown insurance refunds
For Mechanical Breakdown Insurance (MBI), you are entitled to a full refund if you cancel within 15 days of the policy start date and no claim has been made. This 15-day window is your cooling-off period under consumer law and applies regardless of when you received the policy documents. After 15 days, refunds are not guaranteed and generally depend on the specific policy terms.
If you cancel outside the 15-day window, Autosure will typically not refund the unused portion of your premium, though you should ask in writing - some policies or circumstances may allow discretionary refunds.
Comprehensive car insurance (Vero underwritten) refunds
For comprehensive car insurance underwritten by Vero, you have a 21-day cooling-off period. Cancel within 21 days and no claim has been made, and you should receive a full refund. This 21-day period is longer than MBI because comprehensive car insurance is a different product with different consumer protections.
After 21 days, refunds depend on Vero's policy terms and underwriter practice. Contact Vero directly if you cancel after this window to understand your options - some insurers offer pro-rata refunds for cancellations, though this is not guaranteed.
How to claim your refund
If you are eligible for a refund, Autosure will process it automatically once your cancellation is accepted. You should receive your refund within 10 to 15 business days via the original payment method (credit card, bank transfer, or cheque). If you do not receive your refund within 15 business days, contact Autosure with your cancellation confirmation and request a refund status update.
Pro tip: ask Autosure to confirm refund eligibility and the expected refund date in writing when you cancel. This removes doubt later and provides evidence if you need to escalate a dispute.
Autosure pricing and typical plans
Understanding what Autosure charges helps you evaluate whether cancellation makes financial sense or whether renegotiating your premium is an option.
Typical plan costs and coverage
| Plan type | Typical annual cost (NZ$) | Cover term | Key features |
|---|---|---|---|
| Mechanical Breakdown Insurance (MBI) Standard | 1,200 - 3,500 | 1 - 4 years | Major mechanical and electrical failures; varying excess; roadside assistance optional |
| MBI via dealer | 800 - 1,800 | 1 - 4 years | Dealer-sold mechanical cover with variable excess and roadside assistance |
| MBI plus extended cover | 1,800 - 4,000+ | 1 - 4 years | Enhanced mechanical cover, higher benefit limits, more exclusions removed |
| Comprehensive car insurance (Vero) | Varies widely | 12 months | Collision, theft, weather damage, third-party liability; standard underwriter terms apply |
Why prices vary and how to get an accurate quote
Autosure does not publish fixed prices online. Your actual premium depends on your vehicle's age, make, and model; your driving history; your excess preference; and the level of cover you choose. If you are considering cancellation to save money, request a new quote from a competitor before you cancel - you may find better value, but compare like-for-like cover first.
Common mistakes to avoid when cancelling autosure
Cancelling insurance feels straightforward, but small errors can delay your refund or leave you unprotected. We understand cancellation can be stressful, so here are the traps Stopee has seen catch real customers.
Mistake 1: relying on email or phone calls alone
Autosure only recognises written notice for cancellation. If you email or call without following up with a posted letter, your cancellation may not be recorded. Always post your written notice to the PO Box address - do not assume an email thread or a phone conversation counts as official cancellation.
Mistake 2: not keeping proof of postage
If you cannot prove you posted your cancellation letter, Autosure can claim they never received it. Use NZ Post Tracked or Registered Mail to obtain a receipt, and photograph your letter and supporting documents before posting. This evidence protects you if there is a dispute about the cancellation date or whether Autosure received your request.
Mistake 3: cancelling before arranging replacement cover
If you cancel your Autosure policy and then discover you have no cover in place, you are uninsured. This is especially dangerous if your vehicle is financed - your lender may enforce penalties or consider you in breach of your finance agreement. Always arrange replacement cover before your cancellation becomes effective.
Mistake 4: not requesting cancellation confirmation in writing
After you post your cancellation letter, do not assume Autosure has processed it without confirmation. Follow up within 10 business days and request written confirmation of cancellation including the effective date. This removes doubt and provides evidence you cancelled if a future dispute arises.
Mistake 5: ignoring the cooling-off period deadlines
If you are within the 15-day (MBI) or 21-day (Vero comprehensive) cooling-off period, cancel immediately to preserve your refund entitlement. After these periods, refunds become unlikely. Mark these dates in your calendar the moment your policy begins.
When to keep your policy and when to cancel
Cancellation is right for some situations but not others - here is how to decide.
Reasons to cancel autosure
Cancel if you have found better cover at a lower price elsewhere, your vehicle is no longer in regular use, you have sold your vehicle, you have experienced repeated claim denials or poor service, or you no longer drive and do not need the cover. Stopee helps customers cancel confidently when these circumstances apply.
If you are within the cooling-off period (15 days for MBI, 21 days for Vero comprehensive), cancelling to switch providers almost always makes sense - you get your money back and can move to a better-value policy with no penalty.
Reasons to keep your policy or renegotiate instead
Keep your policy if you are outside the cooling-off period and your refund entitlement is unclear, your vehicle requires ongoing mechanical protection and you cannot find comparable cover elsewhere at a better price, or you have a pending claim that could be affected by cancellation. In these cases, contact Autosure to discuss renegotiating your premium or adjusting your cover level instead of cancelling outright.
If you are unhappy with Autosure's service, consider submitting a formal complaint first - sometimes poor service is corrected once management becomes aware. Stopee can help you draft a complaint letter if needed.
Cancellation checklist for autosure
Use this checklist to ensure you cancel correctly and do not miss any critical steps.
| Task | Completed? | Notes |
|---|---|---|
| Locate your policy number and vehicle details | ☐ | Check your policy schedule or renewal notice |
| Confirm you are within the cooling-off period (15 or 21 days) | ☐ | Mark the deadline on your calendar |
| Arrange replacement cover before cancellation | ☐ | Do not leave yourself uninsured |
| Prepare your written cancellation letter | ☐ | Include policy number, vehicle details, and preferred cancellation date |
| Photocopy or photograph your letter and supporting documents | ☐ | Keep these copies for your records |
| Post your letter using NZ Post Tracked or Registered Mail | ☐ | Save your receipt and tracking number |
| Follow up with Autosure after 10 business days if no confirmation received | ☐ | Provide your tracking number and policy number |
| Request written cancellation confirmation including effective date | ☐ | File this confirmation safely |
| Monitor your bank account for refund (if eligible) within 15 business days | ☐ | Contact Autosure if refund does not arrive |
How stopee helps you cancel with confidence
Cancelling vehicle insurance can feel overwhelming, especially when companies use unclear language or make the process harder than it needs to be. Stopee is a consumer advocacy platform designed to guide you through cancellation step-by-step, protect your consumer rights, and ensure you receive any refunds you are entitled to.
Whether you are cancelling Autosure, another vehicle insurer, or any subscription service, Stopee provides expert advice, templates for cancellation letters, links to consumer authorities, and ongoing support if disputes arise. Stopee has helped thousands of consumers cancel unfair contracts, recover refunds, and switch to better value providers without losing sleep over the process.
Visit Stopee.com today to access free cancellation guides, generate a cancellation letter tailored to your situation, and find links to New Zealand's consumer protection agencies if you need escalation support.
Autosure cancellation contact details
Use this information to submit your written cancellation and follow up on your request.
Postal address for cancellation
Autosure
PO Box 33 1248
Takapuna
Auckland 0740
New Zealand
Send your written cancellation letter using NZ Post Tracked or Registered Mail to ensure proof of delivery. Keep your tracking receipt and a copy of your letter for your records.
Next steps after posting
After you post your cancellation letter, allow 5 to 10 business days for Autosure to receive and process it. Contact Autosure by phone (if available on your policy document) or through your original sales channel if you have not received written confirmation within 10 business days. Provide your policy number, tracking number, and the date you posted your cancellation request.
If Autosure refuses to cancel your policy, disputes your refund entitlement, or fails to respond within a reasonable timeframe, escalate your complaint to the Commerce Commission using their Fair Trading Act complaint process. Stopee supports you at every stage - from drafting your initial cancellation letter through to escalation if the company acts unlawfully.