Manage Liberty
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 Liberty: Step-by-Step Guide
How to cancel liberty insurance singapore and get your refund
What liberty insurance singapore is
Liberty Insurance Singapore is a general insurance provider offering personal and commercial coverage across health, motor, travel and specialist insurance products to individuals and businesses across the island.
The company issues policy documents, manages your premiums and processes cancellations according to your policy terms and Singapore's regulatory framework. Understanding how Liberty operates helps you navigate your cancellation smoothly and claim any refund you're entitled to.
Core insurance products
Liberty's typical offerings include short-term health plans like EzCare and proMedico, alongside motor, travel and specialist coverage. Each policy is governed by a written policy schedule and customer communications delivered directly by Liberty or through its appointed agents.
Your policy schedule contains the specific terms, exclusions, cancellation procedures and refund conditions unique to your cover. Keep this document handy throughout your cancellation journey.
Why you might want to cancel
You may cancel Liberty coverage if you've found more affordable insurance elsewhere, no longer need the cover, or simply wish to consolidate your policies with another provider. Whatever your reason, you have consumer rights that protect your interests during cancellation.
Your consumer rights when cancelling liberty insurance
Singapore's Consumer Protection (Fair Trading) Act and insurance regulations give you specific protections when cancelling a policy with Liberty.
The 14-day free-look period
All insurance policies sold in Singapore include a mandatory 14-day free-look period starting from the date you receive your policy documents. During this window, you can cancel in writing and receive a full refund of your premium, no questions asked.
Pro tip: Count your 14 days from the date shown on the delivery confirmation or email receipt, not from when you opened the documents. If Liberty delivered your policy by post, the free-look period may begin 7 days after posting under common local guidance. Document this date carefully to avoid missing your deadline.
Your rights outside the free-look period
After 14 days, you still have the right to cancel, but refunds become based on unearned premium rather than the full amount paid. Liberty must handle your cancellation fairly, process your request within a reasonable timeframe and provide a written explanation of any refund calculation.
The Monetary Authority of Singapore (MAS) oversees insurance conduct. If Liberty refuses to process your cancellation or withholds a refund you believe is unjust, you can escalate to MAS as your consumer protection authority.
How to cancel liberty insurance singapore step-by-step
Cancellation requires written notice sent to Liberty's official address. Follow these steps to ensure your request is recorded, acknowledged and processed without delay.
Cancellation during the free-look period (fastest refund route)
- Locate your policy documents and identify the exact date you received them. This date marks day one of your 14-day window.
- Check the envelope's postmark date or email timestamp if you received the policy digitally.
- If you're unsure, contact Liberty's customer service immediately to confirm the official receipt date.
- Prepare a written cancellation notice. You can send this via email or a signed letter.
- Include your full name, policy number, date of birth and the date you received the policy documents.
- State clearly: "I wish to cancel this policy within the 14-day free-look period and request a full refund of premium paid."
- Date and sign the letter if sending by post; include your contact telephone number and email address.
- Return your policy documents as instructed in your policy pack. Liberty will specify whether you send these by post or keep them.
- Use registered mail or a courier service with tracking to prove delivery.
- Keep the tracking number and delivery receipt as evidence of submission.
- Send your cancellation notice to Liberty's main office address: #25-01 North Tower, Singapore (this relocated to this address in January 2024).
- If you have an email address for Liberty's customer service, send a copy via email as well and request a read receipt.
- Include the subject line: "Cancellation request within free-look period - Policy [Your Policy Number]".
- Await written acknowledgement from Liberty within 5 to 7 working days.
- Liberty should confirm receipt of your cancellation and provide an expected refund date.
- If you don't hear back, follow up with a phone call to their customer service line.
Warning: Do not rely on verbal cancellations or messages via social media. Insurance regulations require written notification. Without a paper trail, you lose proof of cancellation and risk the insurer claiming they never received your request.
Cancellation after the free-look period ends
- Review your policy schedule to identify the specific cancellation procedure Liberty requires after day 14.
- Some policies allow cancellation on any policy anniversary date; others may permit cancellation at any time but with reduced refunds.
- Locate the cancellation method section of your policy schedule.
- Contact Liberty's customer service via the phone number or email address listed on your policy documents or renewal notice.
- State your intention to cancel and ask for the exact cancellation procedure and any refund calculation based on your specific policy.
- Request written confirmation of the process and expected refund amount before submitting your formal cancellation.
- Submit your written cancellation notice following the same format as the free-look period cancellation.
- Include your policy number, the date you wish coverage to end and a request for a written refund calculation.
- Ask Liberty to confirm the effective cancellation date in writing.
- Send to the #25-01 North Tower address with tracking and keep copies of all correspondence.
- If Liberty gives you an alternative cancellation method (e.g., an online portal or agent), confirm this in writing via email to create a record.
- Track your refund status and follow up if payment doesn't arrive within 14 days of cancellation confirmation.
- Request a timeline in writing from Liberty's customer service team.
- Document every communication for potential consumer complaints.
Pro tip: Stopee recommends asking Liberty for the refund calculation method in writing before you cancel outside the free-look period. Short-rate tables and pro-rata formulas vary, and an insurer's calculation may not be immediately obvious. A written estimate protects you from surprise deductions.
What happens to your coverage after cancellation
Cancellation ends your insurance coverage on the date Liberty confirms in writing. Understanding the timeline prevents gaps in protection or unintended cover continuation.
Coverage end date and confirmation
Your insurance coverage terminates on the effective date stated in Liberty's cancellation acknowledgement or the date you specified in your cancellation notice. Confirm this date in writing with Liberty to eliminate any ambiguity about when you are no longer insured.
If you need continuous coverage, arrange a new policy with another insurer before your Liberty policy ends. A lapse in coverage can leave you exposed to financial loss, especially for motor or health insurance.
Automatic renewals and future communications
Once your policy is cancelled, Liberty will not auto-renew your cover or send renewal notices for that policy. However, if you hold other active policies with Liberty, they will continue as normal unless you cancel those separately.
Request written confirmation that automatic renewal is disabled for the cancelled policy. Stopee has helped thousands of consumers avoid accidental renewals caused by administrative oversights. A single email confirmation from Liberty closes this loophole.
Policy records and data retention
Liberty will retain your policy records as required by regulatory obligations and its internal compliance procedures. You have the right to request confirmation of how long Liberty keeps your data and can access your records under data protection laws.
If you need a copy of your cancelled policy for records, dispute resolution or insurance claims later, request this in writing from Liberty and allow 14 days for a response.
Will you get a refund from liberty insurance?
Your refund entitlement depends on when you cancel and whether you've already made a claim on the policy.
Refund during the 14-day free-look period
Cancel within 14 days of receiving your policy documents and you're entitled to a full refund of all premium paid, with no deductions. This is a non-negotiable consumer right under Singapore's insurance framework.
Liberty may ask you to return the policy documents before processing the refund, so arrange this promptly. Refunds typically arrive within 7 to 14 working days after Liberty receives your cancellation notice and documents.
Refund after the free-look period
After 14 days, refunds are calculated based on unearned premium using either a short-rate table or pro-rata method specified in your policy schedule. This means you receive a partial refund based on the portion of the premium period you didn't use.
The formula varies by policy type. Health plans often use simple pro-rata calculation (days unused divided by total days in premium period). Some specialist covers may apply a short-rate deduction, which is slightly lower than pro-rata, to account for administrative costs.
- Ask Liberty for a written refund calculation showing the formula, the unearned premium amount and any deductions applied.
- If you disagree with the calculation, request a detailed breakdown and compare it against your policy schedule's refund clause.
- No refund is usually payable if you've already claimed under the policy during the coverage period.
- Investment-linked plans may reduce your refund by investment fluctuations or performance charges.
- Refunds may be reduced by reasonable expenses Liberty actually incurred, such as medical examination fees for health policies.
Pro tip: Stopee advises requesting the refund calculation before submitting your cancellation if you're outside the free-look period. This gives you a chance to negotiate or challenge the amount before it's final. Some insurers offer goodwill adjustments if the short-rate deduction seems excessive.
Liberty insurance pricing and policy costs
Understanding Liberty's pricing structure helps you decide whether to cancel and find a better rate elsewhere.
Where to check current prices
Liberty's premiums and plan features vary by product, age, health profile, claims history and policy year. Always consult Liberty's official policy schedule or website for current pricing rather than relying on third-party quotes or outdated information.
Request a written premium breakdown from Liberty before you cancel. This breakdown shows the base premium, any loadings (increases) applied for health or risk factors and administrative charges. Comparing this against other insurers' quotes justifies your cancellation decision.
Premium increases at renewal
When your policy comes up for renewal, Liberty will send you a renewal notice showing the new premium. Premiums may increase due to your age, inflation, claims history or underwriting changes. This is a common reason to cancel and switch to a competitor.
If the renewal premium seems high, contact Liberty's customer service to understand the increase and ask for any available discounts. If you still want to cancel, do so within the free-look period on the renewed policy to recover your new premium in full.
Common mistakes to avoid when cancelling liberty insurance
Cancelling insurance can feel stressful, especially if you're unsure of your rights. Here are the pitfalls that trap consumers and how Stopee recommends avoiding them.
Assuming verbal cancellation is sufficient
Telling a Liberty agent or customer service representative over the phone that you want to cancel is not enough. Insurance regulations require written cancellation notice, and verbal requests leave no proof if Liberty later claims they didn't receive it.
Always submit your cancellation in writing via email or registered post. Request written acknowledgement and keep every email, letter and tracking receipt. This paper trail protects you if a dispute arises about refunds or coverage dates.
Missing the 14-day free-look deadline
The 14-day window is strict. Once it closes, you lose your right to a full refund and enter the pro-rata or short-rate refund regime, which means less money back. Many consumers cancel on day 16 and are surprised to find they're no longer eligible for the full amount.
Mark your calendar with a reminder for day 10 or 11 of the free-look period. This gives you a buffer to prepare and submit your cancellation without rushing or overshooting the deadline.
Forgetting to return policy documents
Liberty's cancellation process often requires you to return your policy documents. Forgetting to do this delays the refund or may give Liberty grounds to refuse cancellation entirely. Check your policy pack for the return instructions and address immediately.
Pro tip: Use registered post or a courier with tracking when returning documents. This proves delivery and protects you if Liberty later claims it didn't receive the documents.
Not requesting a written refund calculation
Outside the free-look period, refunds are based on formulas you may not understand. Accepting Liberty's verbal estimate without a written breakdown risks overpaying in deductions. Always ask for a detailed, itemised refund calculation in writing before accepting any refund offer.
Cancelling without arranging alternative cover
If you cancel health or motor insurance without a new policy in place, you face a gap in coverage and potential legal or financial exposure. For motor insurance, driving uninsured is illegal. For health, a gap may exclude pre-existing conditions in your next plan.
Arrange your new insurance policy before you cancel Liberty. Ensure the new cover starts on or before the day your Liberty policy ends.
What to do after you cancel liberty insurance
Cancellation is not the end of your responsibility. Monitor the process, verify your refund and keep records for future reference.
Track your cancellation confirmation
Within 5 to 7 working days, Liberty should send you written cancellation confirmation including the effective cancellation date and expected refund date. File this confirmation with your policy documents and reference it if you need to follow up later.
If you don't receive confirmation, send a follow-up email or letter asking Liberty to confirm cancellation in writing. Stopee emphasises that written confirmation is your proof that cancellation was processed.
Monitor your refund
Refunds typically arrive within 14 working days of cancellation confirmation. Check your bank account and insurance file regularly. If the refund doesn't appear by day 15, contact Liberty's customer service and ask for the status and expected payment date.
Request confirmation of the refund amount, the calculation method used and the bank details to which the refund will be paid. This prevents miscommunication about whether the refund has actually been processed.
Verify automatic renewal has stopped
Contact Liberty directly or log into your online account (if available) to confirm that automatic renewal is disabled for your cancelled policy. Some insurers' systems fail to stop renewals automatically, leading to unwanted charges weeks or months later.
Request an email or letter confirming that renewal has been cancelled. This is your safeguard against surprise premiums on your credit card.
Keep your cancellation records
Store all cancellation correspondence, refund confirmations and receipt evidence in a safe place. Keep these records for at least 3 years, as they may be needed for tax, dispute resolution or future insurance claims investigations.
If you ever need to prove you cancelled a specific Liberty policy or dispute a refund amount, these documents are your evidence.
Checklist for cancelling liberty insurance singapore
| Step | Action | Deadline | Evidence to keep |
|---|---|---|---|
| 1. Calculate free-look period | Note the date you received your policy documents and count 14 days forward. | Day 0 | Policy receipt email or envelope postmark |
| 2. Decide to cancel | Confirm you want to cancel and have alternative cover arranged (if relevant). | Before day 15 | Decision memo for your records |
| 3. Prepare cancellation notice | Write or email a clear cancellation request including policy number, name and receipt date. | Before day 14 | Draft email or letter copy |
| 4. Return policy documents | Send documents to Liberty's address via registered post or courier with tracking. | Before day 14 | Tracking number and courier receipt |
| 5. Submit cancellation | Send your written notice to #25-01 North Tower, Singapore (the current main office address) via registered post and email. | Before day 14 | Tracking number, email receipt and delivery confirmation |
| 6. Await acknowledgement | Liberty should confirm receipt and provide the expected refund date within 5 to 7 working days. | Days 5-7 | Cancellation confirmation letter or email |
How stopee can help you cancel liberty insurance
Navigating insurance cancellation can be confusing, especially when refund calculations and free-look periods overlap. Stopee has helped thousands of consumers cancel Liberty Insurance and recover their full refunds by providing step-by-step guidance, deadline tracking and refund verification support.
Stopee's consumer advocates understand Singapore's insurance regulations and Liberty's specific cancellation processes. Whether you're within the free-look period or negotiating a refund after day 14, Stopee's platform guides you through every step and flags potential errors before they cost you money.
Visit Stopee.com to access cancellation templates, deadline calendars and refund trackers tailored to Liberty policies. Stopee's tools eliminate guesswork and ensure you submit cancellations correctly the first time.
Contact liberty insurance singapore for cancellation
Liberty Insurance Singapore's primary cancellation address following the relocation in January 2024 is listed below. Use this address for all written cancellation notices and document returns.
#25-01 North Tower, Singapore
This is Liberty's current main office and the official address for cancellations. The #40-01 address is reserved for data protection or general mailing requests, so do not send cancellation notices there. The Club Street address listed on some older documents is the headquarters per LinkedIn but is not used for active cancellations.
If you do not have a current email address for Liberty's customer service, request one when you first contact them by phone. Sending your cancellation via email and registered post creates a double-confirmation trail and significantly reduces the risk of your request being lost or overlooked.
Pro tip: Include "Cancellation request - Policy [Your Policy Number]" in the subject line of any email. This flags your message as urgent and helps Liberty's customer service route your request to the right department immediately.
Cancelling your insurance should be straightforward and fair. Stopee empowers you with the knowledge, tools and step-by-step processes to cancel Liberty Insurance confidently, claim your full refund and move forward without delays or hidden deductions. Take control of your cancellation today.