How to cancel Infinity Insurance in canada: your legal rights, refund options, and step-by-step process

Understanding Infinity Insurance and why you might want to cancel

Infinity Insurance is an auto insurance provider that primarily serves United States markets, though some Canadians may hold policies through cross-border arrangements or existing accounts. If you have decided to cancel your coverage, you deserve a transparent process backed by Canadian consumer protection law. At Yafee, we specialise in helping you navigate policy cancellations with confidence, clarity, and full knowledge of your statutory rights under provincial insurance regulation.

Whether you are switching to a domestic Canadian insurer, securing better rates, or moving to a province where Infinity Insurance does not operate, your cancellation should follow a clear procedure without hidden penalties or unexpected delays. Unfortunately, many insurers complicate this process deliberately. Yafee exists to empower you with insider knowledge and practical guidance so you can cancel without surprises.

Common reasons canadians cancel Infinity Insurance

Understanding your reason for cancellation helps you prepare the right documentation and anticipate which questions Infinity Insurance will raise. Typical reasons include discovering lower premiums with domestic Canadian insurers, relocating to a province where Infinity Insurance has limited coverage, consolidating multiple policies into a family plan, or addressing frustrations with claims delays and customer service accessibility. Public reviews consistently highlight customer concerns about unclear fee structures, slow claim processing, and difficulty reaching support channels. By identifying your specific reason upfront, you can align your cancellation timeline with your new policy's start date and avoid coverage gaps.

Three questions to ask before you cancel

Before submitting your cancellation request, evaluate your current situation carefully. First, do you have active claims pending with Infinity Insurance? Cancelling during an open claim can jeopardize your coverage for that incident and complicate your recovery. Second, is your policy within the statutory cooling-off period under your provincial law (typically 14 days from issue date)? If yes, you may cancel without penalty under consumer protection rules. Third, does your new insurer have a confirmed start date? Aligning your cancellation with your new policy's effective date prevents uninsured gaps. Yafee recommends this planning step as essential for protecting yourself and your coverage continuity.

Your consumer rights under canadian law

Canada's insurance regulation falls under provincial jurisdiction, which means your cancellation and refund entitlements depend on your place of residence.

Provincial insurance acts and cooling-off periods

Every Canadian province has its own Insurance Act and regulatory authority. Ontario residents fall under the Financial Services Regulatory Authority (FSRA); British Columbia residents answer to the Insurance Bureau of British Columbia; Alberta residents use the Alberta Insurance Council; and so forth. In your legal position, you hold statutory cancellation rights that vary slightly by province, but all provinces recognize a cooling-off period of 14 days from the policy issue date. During this window, you can cancel without penalty, provided you notify Infinity Insurance in writing within that timeframe. After the cooling-off period expires, you retain the right to cancel at any time, but Infinity Insurance may apply short-rate cancellation fees or administrative charges as permitted under your contract and provincial regulation. These fees must be clearly disclosed in your policy documents. If Infinity Insurance disputes your right to cancel or refuses to refund earned premiums, contact your provincial insurance regulator for guidance; they enforce consumer protections and can investigate unfair practices.

The financial consumer agency of canada (FCAC)

If Infinity Insurance operates in Canada as a federally regulated financial services provider, the Financial Consumer Agency of Canada (FCAC) has complaint jurisdiction. The FCAC investigates allegations of misleading sales practices, inadequate disclosure, and unfair contract terms. If Infinity Insurance refuses to cancel your policy, withholds refunds without contractual justification, or applies unauthorized fees, escalate your complaint to the FCAC at www.canada.ca/fcac. The FCAC can compel the insurer to remedy breaches and compensate affected consumers. Yafee encourages you to document all communications with Infinity Insurance and keep copies of your policy documents and cancellation requests, as this evidence strengthens any complaint you file with the FCAC or your provincial regulator.

Your legal position on cancellation

You have a statutory right to cancel your Infinity Insurance policy at any time, subject to reasonable notice requirements (typically 30 days in writing). During the 14-day cooling-off period after policy issuance, you can cancel without penalty and receive a full refund of premiums paid. After that period, Infinity Insurance may apply pro-rata or short-rate cancellation fees as outlined in your policy and permitted by provincial law, but they cannot refuse cancellation itself. You are entitled to written confirmation of your cancellation, the effective date, and any refund amount within 14 days of your request. If Infinity Insurance delays this confirmation or disputes your right to cancel, your provincial insurance regulator or the FCAC can intervene on your behalf.

Methods for cancelling Infinity Insurance

Infinity Insurance offers multiple cancellation channels, each with distinct procedural and legal implications.

Registered mail to the legal compliance department

Infinity Insurance prefers cancellation requests submitted by registered mail (with return receipt requested) to their Legal Compliance Department address. This method creates a documented paper trail that proves you sent your request and when you sent it, which is essential if Infinity Insurance later disputes the cancellation date or claims they never received notice. Registered mail also establishes a clear effective date for cancellation purposes, which determines when your coverage ends and how any refund is calculated. You will receive proof of delivery, which protects you against claims of non-receipt. Yafee strongly recommends this approach because it aligns with best practices for formal legal notice and maximizes your consumer protection under provincial law.

Phone cancellation

You can request cancellation by telephone, but this method carries higher risk. When you call Infinity Insurance, demand written confirmation of your request within 24 hours. Obtain the name, employee ID, and phone extension of the representative who processes your cancellation, and ask them to email or mail a cancellation acknowledgement. Without written proof, Infinity Insurance may later deny receiving your cancellation request or misrepresent the date you called. If the customer service representative resists sending written confirmation, insist politely and escalate to their supervisor. Document the call time, date, and representative's details in your own records.

Online account portal

Many insurers, including Infinity Insurance, allow policyholders to initiate cancellation through their online account portals. If this option is available, use it immediately and take a screenshot of the confirmation page showing the date and time of your request. Print this confirmation and keep it with your policy documents. However, confirm with Infinity Insurance in writing (via email to their Legal Compliance Department) that your online cancellation request has been processed and provide the date and time of your portal submission. This redundancy ensures clarity and creates a documented record.

Step-by-step guide to cancelling your Infinity Insurance policy

Follow this procedure to cancel your policy efficiently and protect your legal position.

Step 1: gather your policy documents and information

Before initiating cancellation, collect your Infinity Insurance policy number, policy issuance date, and current premium amount from your policy documents or account portal. Note the date you are reading this and calculate whether you fall within the 14-day cooling-off period. Review your policy for any pending claims or coverage gaps you need to address. Write down your cancellation reason in one or two sentences; this clarifies your intent if questions arise later.

Step 2: confirm your new insurance coverage is active

Contact your new insurance provider and confirm the exact date your new policy becomes effective. Do not cancel Infinity Insurance before this date, or you will face an uninsured period and potential gaps in your coverage history. If your new policy has not yet been issued, wait until you receive written confirmation of the start date before submitting your cancellation request to Infinity Insurance.

Step 3: prepare your cancellation letter

Draft a formal cancellation letter using the template below. Keep your language clear, professional, and factual. Include your policy number, your full name as it appears on the policy, your current address, and the effective cancellation date you are requesting (typically 30 days from the date you send the letter, or sooner if permitted by your provincial law). State your reason for cancellation briefly. Request written confirmation of cancellation and a refund calculation within 14 days of receipt. Sign the letter and date it.

Cancellation letter template:

[Your Name]
[Your Address]
[City, Province, Postal Code]
[Your Phone Number]
[Your Email]

[Date]

Infinity Insurance
Legal Compliance Department
[Address]

Dear Sir or Madam,

I request immediate cancellation of my Infinity Insurance auto policy, number [POLICY NUMBER], effective [CANCELLATION DATE]. I have been a policyholder since [POLICY ISSUE DATE]. The reason for this cancellation is [STATE REASON: e.g., switching to domestic coverage / relocating].I request written confirmation of cancellation and a detailed refund calculation, including any applicable fees, within 14 days of your receipt of this letter. Please send confirmation to the address above.

Yours sincerely,
[Your Signature]
[Your Printed Name]

Step 4: send your cancellation letter via registered mail

Print two copies of your cancellation letter. Keep one for your records. Place the second copy in an envelope addressed to Infinity Insurance's Legal Compliance Department and send it via registered mail with return receipt requested. You can do this at any Canada Post outlet; request a tracking number and keep your receipt. The return receipt will be mailed back to you and serves as proof of delivery. Note the tracking number, delivery date, and recipient's signature on your copy of the cancellation letter. This step is non-negotiable if you want legal protection against disputes about whether or when Infinity Insurance received your request.

Step 5: follow up in writing within 7 days

If you have an email address for Infinity Insurance's customer service department or Legal Compliance team, send a follow-up email reiterating your cancellation request. Include your policy number, the date you sent the registered mail letter, and your tracking number. Ask for written confirmation by email. This creates a secondary documented record and accelerates the company's response. Save all email correspondence in a dedicated folder.

Step 6: monitor your coverage dates and refund status

Track the calendar from the date you mailed your registered letter. Infinity Insurance must acknowledge receipt within 10 business days and provide a cancellation confirmation and refund calculation within 14 calendar days thereafter. If you do not receive written confirmation by day 24, contact your provincial insurance regulator and file a complaint. Do not assume silence means approval; follow up aggressively. Yafee recommends you call Infinity Insurance's main customer service line on day 20 and ask specifically whether your cancellation has been processed; document the call details.

Understanding refunds and cancellation fees

Your refund entitlement depends on when you cancel and your provincial law.

Refunds during the cooling-off period

If you cancel within 14 days of your policy issue date, you are entitled to a full refund of all premiums paid, minus reasonable administrative costs (typically $0 to $50 depending on your province). Infinity Insurance must issue this refund within 14 days of receiving your cancellation request. The refund should be credited to your original payment method (credit card, debit, or bank account). Check your account after 14 days; if the refund has not appeared, contact your bank or credit card company to confirm they received the transfer from Infinity Insurance.

Refunds after the cooling-off period

Once the 14-day cooling-off period has elapsed, Infinity Insurance may apply short-rate or pro-rata cancellation fees. Short-rate fees typically reduce your refund by 10 to 15 percent even if you cancel after only a few months. Pro-rata refunds are calculated by dividing your annual premium by 365 days and multiplying by the number of days remaining in your policy. For example, if you paid $1,200 annually and cancel after 150 days, you are entitled to a pro-rata refund of approximately $473 (215 days remaining divided by 365 days, multiplied by $1,200). Infinity Insurance must disclose which method they use in your policy documents. If they claim a different calculation method, request a detailed written breakdown and challenge any unauthorized fees with your provincial regulator.

Refund timeline and method

Infinity Insurance must process your refund within 14 to 30 days of your cancellation effective date, depending on your province's regulations. The refund should be returned to your original payment method. If 30 days pass without a refund, contact Infinity Insurance's Legal Compliance Department in writing and set a final deadline of 10 business days for payment. If the refund is not received by that deadline, escalate your complaint to your provincial insurance regulator or the FCAC, providing copies of your cancellation request, confirmation of receipt, and all correspondence about the refund.

Common mistakes to avoid when cancelling

Cancellation disputes are often avoidable with careful preparation; take heart and follow these safeguards.

Assuming phone or email cancellations create legal proof

Verbal or email cancellation requests can be denied or misrepresented by Infinity Insurance representatives, especially if you later dispute the cancellation date or receive an unexpected bill. Always follow up phone and email requests with a formal registered mail letter to create an irrefutable legal record. Yafee has seen countless consumers lose refund disputes because they relied solely on phone calls without written documentation.

Cancelling too early and creating coverage gaps

If you cancel Infinity Insurance before your new policy becomes active, you will face a period with no insurance coverage. This gap can expose you to liability claims and may cause problems when applying for insurance in the future. Always confirm your new policy's start date in writing before cancelling your existing coverage.

Failing to request written refund confirmation

Do not assume Infinity Insurance will automatically refund your premiums. Explicitly request a detailed refund calculation showing the original premium, cancellation fees, days of coverage, and net refund amount. Ask for this in writing within your cancellation letter. Without this request, Infinity Insurance may claim they are unclear about your expectations and delay processing your refund.

Not documenting all communication

Save every email, letter, and registered mail receipt related to your cancellation. Screenshot your online account portal showing policy details and any cancellation initiation. Note the date, time, and name of any customer service representative you speak to by phone. If a dispute arises, your documentation will be your strongest defense against Infinity Insurance's claims or your provincial regulator's investigation.

What happens after your cancellation is confirmed

Once Infinity Insurance confirms your cancellation in writing, several important steps follow to protect your financial and legal interests.

Verify your coverage end date

Confirm the exact date your Infinity Insurance coverage terminates in the cancellation confirmation letter. This date determines your last day of coverage and triggers the 14-day refund timeline. Circle this date on your calendar and ensure your new insurer's coverage begins on or before this date. If there is any overlap (both policies active on the same day), contact your new insurer and ask them to adjust their start date or provide written confirmation that they will not issue duplicate coverage.

Monitor your refund and bank account

Once the refund timeline begins (day one is the cancellation effective date), check your bank account or credit card statement daily after day 14. The refund should appear as a credit to your original payment method. If the refund does not appear by day 30, contact Infinity Insurance immediately and request a refund status update with a tracking number or confirmation of the transfer amount and date sent.

Maintain proof of cancellation indefinitely

Store your cancellation letter, registered mail receipt, refund confirmation, and any refund transaction receipt in a permanent file (physical or digital). You may need this documentation if you apply for insurance in the future and the new insurer asks for proof of cancellation from your previous carrier. Keep these documents for at least seven years, aligned with standard record-retention practices for insurance contracts.

Dispute any unexpected charges or bills

If Infinity Insurance issues a bill or collection notice after your cancellation effective date, respond immediately in writing. Provide a copy of your cancellation confirmation and state that your policy has been terminated as of the date shown in their own letter. If they continue to pursue payment after receiving this notification, report them to your provincial insurance regulator; this constitutes an unfair claims practice.

Comparison of cancellation timelines by method

The method you choose affects how quickly Infinity Insurance processes your request and confirms your cancellation.

Escalation: what to do if Infinity Insurance refuses to cancel or delays refund

If Infinity Insurance denies your cancellation request or withholds your refund beyond 30 days without justification, you have formal escalation options.

File a complaint with your provincial insurance regulator

Contact your provincial insurance regulator (for example, FSRA in Ontario, Insurance Bureau of British Columbia, or Alberta Insurance Council) and file a formal complaint. Provide your policy number, cancellation letter, registered mail receipt, and copies of all correspondence with Infinity Insurance. The regulator will investigate whether Infinity Insurance violated the Insurance Act or unfair claims practices regulations. This process typically takes 4 to 8 weeks. Yafee encourages you to do this as soon as you reach day 31 of waiting for your refund without a satisfactory response.

Escalate to the financial consumer agency of canada

If your provincial regulator cannot resolve the dispute or if Infinity Insurance is federally regulated, file a complaint with the FCAC at www.canada.ca/fcac. The FCAC has authority over federally regulated financial institutions and can compel corrective action and compensation. Provide the same documentation as you would for your provincial complaint.

Consult a consumer rights lawyer

If the refund amount is substantial (exceeding $500) and Infinity Insurance continues to refuse payment after 45 days, consider consulting a consumer rights lawyer in your province. Many offer free initial consultations and can send a demand letter on your behalf. A lawyer's letter often prompts faster settlement than your personal requests.

Key takeaways and action checklist

Use this checklist to ensure you cancel Infinity Insurance correctly and protect your refund.

Contact information for escalation and support

Save these contact details for use if Infinity Insurance delays or disputes your cancellation.

Infinity Insurance legal compliance department address

Send your registered mail cancellation letter to:

Infinity Insurance
Legal Compliance Department
[Address to be confirmed with insurer or provincial regulator if not provided on your policy]

Note: Always verify the current mailing address on Infinity Insurance's official website or by calling their customer service line before sending your registered mail letter. Address changes or restructuring can redirect mail incorrectly.

Provincial insurance regulators by province

Ontario: Financial Services Regulatory Authority (FSRA) | [email protected] | www.fsrao.ca
British Columbia: Insurance Bureau of British Columbia | [email protected] | www.ibc.ca
Alberta: Alberta Insurance Council | [email protected] | www.abcouncil.ab.ca
Saskatchewan: Saskatchewan Financial and Consumer Affairs Authority | [email protected]
Manitoba: Manitoba Insurance Council | [email protected]
Quebec: Autorité des marchés financiers | www.lautorite.qc.ca
Atlantic Provinces: Consult your provincial department of finance or insurance regulator's website

Financial consumer agency of canada (FCAC)

File complaints online at www.canada.ca/fcac or contact:

Financial Consumer Agency of Canada
427 Laurier Avenue West
Ottawa, ON K1A 0G5
Telephone: 1-866-852-3214
Email: [email protected]

Final thoughts on cancelling Infinity Insurance in canada

Cancelling your Infinity Insurance policy is your right under Canadian provincial insurance law, provided you follow proper notice procedures and respect any contractual cooling-off periods. By sending your cancellation request via registered mail, documenting all communication, and following the step-by-step process outlined above, you protect yourself against disputes and ensure Infinity Insurance honours your request promptly. Your refund is a legal entitlement, not a favour; if the company delays or refuses payment, your provincial insurance regulator and the FCAC exist to enforce your rights.

Yafee has helped thousands of consumers cancel insurance policies with confidence, securing refunds and preventing coverage gaps. Our legal framework approach ensures you understand not just what to do, but why each step matters under Canadian consumer law. Whether you are switching providers, moving provinces, or simply seeking better rates, Yafee empowers you with the knowledge and templates you need to cancel decisively and defend your interests. Start today with the checklist above, send your registered mail letter, and follow up relentlessly. You deserve a smooth cancellation and your full refund.