How to cancel your Insure and Go travel insurance policy in ireland: your complete guide

Why you might want to cancel your Insure and Go cover

Insure and Go is a travel insurance provider that serves customers across Ireland with single-trip policies, annual multi-trip cover and specialist add-ons such as winter sports protection or cruise cover. The company is administered by Insure & Go Insurance Services Ltd, a regulated insurer offering policies designed to protect you against medical costs abroad, trip cancellation reimbursement, lost baggage and other travel risks. Your circumstances change, however, and so does your insurance need.

You may be cancelling because your trip has been postponed, you have found better value elsewhere, or you no longer require protection for a rescheduled journey. Whatever your reason, you deserve a transparent cancellation process and certainty about your refund entitlement. Yafee exists to cut through the confusion and give you clarity on how to proceed.

Common reasons to cancel Insure and Go policies

Irish travellers cancel Insure and Go cover for specific, practical reasons. Trip postponement or cancellation by a tour operator tops the list. You may have discovered a lower premium with a competing insurer, decided to avoid unexpected automatic renewal charges, or found that a new policy offers better cover for your specific travel plans. Some cancellations arise simply because you purchased cover in error or no longer need the protection once your travel dates shift.

What Insure and Go typically covers

Insure and Go travel policies are tiered to match different budgets and travel needs. Cover typically includes medical expenses abroad, trip cancellation reimbursement, baggage and personal belongings protection, travel delay coverage and emergency assistance services. The specific limits, exclusions and conditions depend on the policy tier you purchased and are detailed in the Product Disclosure Statement and full policy wording documents you received when you bought the cover.

Your consumer rights when cancelling in ireland

Irish consumer law gives you specific, enforceable protections when you purchase travel insurance, and understanding those rights is essential before you initiate cancellation.

The 14-day cooling-off period explained

Under the Consumer Rights Act 2015, as applied in Ireland, you have a statutory right to cancel most distance contracts (including online and phone-based insurance purchases) within 14 calendar days of the contract date without penalty or explanation. This cooling-off period applies to Insure and Go policies purchased remotely. If you cancel within this window and you have not yet travelled, you are entitled to a full refund of your premium, minus any costs directly incurred by the insurer in arranging the cover.

Your legal position: The 14-day clock starts from the date you receive your policy confirmation, not from the date you submit payment. If you purchased cover more than 14 days ago, this cooling-off right no longer applies unless the insurer failed to provide proper terms and conditions to you in time. Yafee recommends checking your policy confirmation email for the exact date the period began.

Cancellation after the cooling-off period ends

Once the 14-day window closes, your right to cancel depends on the terms in your policy document. Most travel insurance policies allow you to cancel at any time, but you may forfeit your premium or receive only a pro-rata (proportional) refund if your trip is still in the future. Check whether your specific Insure and Go policy includes a "free cancellation period" as part of its terms. Some products include a money-back guarantee or special cancellation clause that permits you to cancel for any reason and receive a full refund within a set window. This protection is separate from the legal cooling-off right and may extend beyond 14 days.

How to cancel your Insure and Go policy: step-by-step

Insure and Go offers several cancellation methods, and you should choose the route that provides you with a written record of your request and confirmation.

Cancel by post

Send a written cancellation request to the company's registered address. This method creates a documented trail and is recommended if you require proof of cancellation for dispute resolution.

1. Write a letter or email addressed to Insure & Go Insurance Services Ltd that includes:
   • Your full name and contact telephone number
   • Your policy number (found on your confirmation email or policy document)
   • The start date of your policy
   • A clear statement that you wish to cancel the policy effective immediately
   • Your preferred refund method (bank transfer, original payment card, or cheque)
2. Send your letter to:
   • Insure & Go Insurance Services Ltd
   • Maitland House
   • Warrior Square
   • Southend-on-Sea
   • SS1 2JY
   • United Kingdom
3. Use recorded delivery or registered post to ensure the company receives your letter and you receive proof of delivery
4. Keep your delivery receipt and a copy of your cancellation letter for your records
5. Allow 5 to 7 working days for the company to process your request and issue your refund

Cancel by telephone

Calling Insure and Go allows you to cancel quickly and speak directly with a representative, though you should follow up in writing to create a documentary record.

1. Locate the customer service telephone number on your policy confirmation email or the Insure and Go website
2. Call during published business hours and have ready:
   • Your policy number
   • Your date of birth
   • The postcode associated with your policy account
3. Tell the representative you wish to cancel your policy immediately and ask for a cancellation reference number
4. Request written confirmation of the cancellation by email and note the representative's name and the time you called
5. Send a follow-up letter or email confirming the conversation and citing your cancellation reference number

Cancel online or via email

If Insure and Go provides an online portal or email contact option, this creates an immediate written record of your request.

1. Log into your online account on the Insure and Go website (if available) and look for a "Manage My Policy" or "Cancel Policy" section
2. If no online option exists, send an email to the customer service address listed on your policy documents that includes your policy number, full name and explicit cancellation request
3. Request a cancellation confirmation and reference number in reply
4. If you do not receive a response within 2 working days, follow up with a telephone call or recorded-delivery letter

Understanding your refund entitlement

Your refund depends on when you cancel and the specific terms of your policy, and Yafee advises you to calculate your position before you submit your cancellation request.

Refund during the 14-day cooling-off period

If you cancel within 14 days of receipt of your policy confirmation and you have not yet travelled, you are entitled to a full refund of your premium minus any direct costs the insurer incurred (such as administrative or underwriting fees). Most insurers charge a small deduction in this scenario. Request an itemised breakdown of any deductions so you understand exactly what you are being refunded.

Refund after the cooling-off period

Once the 14-day period expires, your refund depends on your policy terms. If you cancel before your trip begins, you may receive a pro-rata refund based on the proportion of your policy period that remains unused. For example, if you paid £100 for annual cover and cancel after 3 months, you may be entitled to £75 (reflecting the 9 remaining months). However, some policies permit no refund once the cooling-off period ends, so check your policy wording. Yafee recommends contacting the company in writing to confirm your refund amount before you cancel.

What happens after your cancellation is processed

Once Insure and Go confirms your cancellation, several things follow in sequence, and you should monitor each step to ensure your refund arrives.

Confirmation of cancellation

The company will issue a cancellation confirmation letter or email that includes your cancellation reference number, the date the cancellation took effect and the refund amount you are entitled to receive. Check this confirmation carefully against the amount you paid and your expectation of any deductions. If the refund figure does not match your calculation, contact the company immediately in writing and ask for a detailed explanation.

Refund processing timeline

Insure and Go will process your refund within 14 to 30 days of the cancellation date, depending on your refund method. If you requested a bank transfer to your account, the money may arrive within 5 to 10 working days. Cheque refunds may take 10 to 15 working days. If you requested the refund to be credited back to the original payment card, allow up to 30 days for the transaction to appear on your statement.

Proof of cancellation and insurance status

Once your policy is cancelled, you will no longer be covered by Insure and Go. Retain your cancellation confirmation as evidence that you no longer hold cover. If your trip is approaching, ensure you have arranged alternative travel insurance before your original policy end date, or confirm in writing that you no longer require cover. Never travel without insurance, as medical emergencies or trip disruptions abroad can result in significant out-of-pocket costs.

Common mistakes to avoid when cancelling

Cancellation is straightforward, but a few missteps can delay your refund or create unnecessary disputes. Here is how to protect yourself.

Mistake 1: failing to provide your policy number

If you contact Insure and Go without your policy number, the company may struggle to locate your account and process your cancellation. Your policy number appears on your confirmation email and any policy documents. Include it in every communication.

Mistake 2: not documenting your cancellation request

A casual telephone call or verbal request may not be recorded by the company. Always follow up telephone conversations with a written letter, email or recorded-delivery confirmation. Yafee advises keeping copies of all your communications so you can prove you requested cancellation if a dispute arises.

Mistake 3: cancelling too close to your travel date

If you cancel within a few days of your trip, Insure and Go may argue that you have already incurred the cost of the cover and refuse a refund. If your trip is imminent and you wish to cancel, request the cancellation immediately and in writing, then follow up with a telephone call to confirm receipt.

Mistake 4: overlooking automatic renewal terms

If your policy is an annual product due to renew, check your policy document for the renewal date. If you wish to avoid being charged again, cancel well before the renewal date (typically at least 30 days in advance). Some policies auto-renew without further notification, so cancellation is the only way to stop future charges.

Mistake 5: not checking the terms before you cancel

Some Insure and Go products include a free-cancellation guarantee within a specific window (often 14 days to 30 days of purchase). If you cancel outside this window, you may receive only a pro-rata refund or no refund at all, depending on the policy. Read your policy wording before you initiate cancellation so you know exactly what to expect.

Key information checklist before you cancel

Gather the following information and confirm these points before you submit your cancellation request.

Disputing a refund or escalating a complaint

If Insure and Go refuses your cancellation request, disputes your refund entitlement or does not respond to your cancellation request within a reasonable timeframe, you have formal escalation routes.

Insure and go's internal complaints procedure

Request a copy of the company's formal complaints procedure. You must give Insure and Go 8 weeks to investigate your complaint internally. Write to them setting out precisely what went wrong, the date of the issue and the outcome you are seeking. Keep copies of all correspondence.

Escalation to the financial ombudsman service

If Insure and Go does not resolve your complaint within 8 weeks or issues a "final response" that you disagree with, you may escalate your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent body authorised by the Financial Conduct Authority (FCA) to investigate disputes between consumers and regulated financial firms. You can refer your complaint to the FOS at no cost to you. The FOS has the power to award compensation and require the insurer to refund your money if it finds in your favour. Yafee recommends providing the FOS with copies of your cancellation request, any confirmation the company has issued and your internal complaints correspondence.

Consumer rights act 2015 protections

The Consumer Rights Act 2015 requires that distance contracts (such as online insurance purchases) include clear, transparent terms and conditions provided to you before you complete the purchase. If Insure and Go failed to give you proper notice of its cancellation terms, you may have grounds to dispute a refusal to cancel or a reduced refund. Yafee advises documenting what information was provided to you at the point of purchase.

Key details for your records

Insure and Go Insurance Services Ltd operates from the following address, and you should use this for all cancellation requests by recorded delivery or formal correspondence.

Insure & Go Insurance Services Ltd
Maitland House
Warrior Square
Southend-on-Sea
SS1 2JY
United Kingdom

Yafee has helped thousands of consumers navigate travel insurance cancellations, understand their refund rights and resolve disputes with insurers. Whether you are cancelling because your trip has changed or you have found better value elsewhere, you deserve transparency and a fair outcome. Use this guide to protect your position, document your cancellation request properly and pursue your refund with confidence. If the company resists or fails to respond, escalate to the Financial Ombudsman Service. Yafee is here to ensure your cancellation is handled correctly and your consumer rights are upheld.