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Frequently asked questions
Cancel Simply Business: Your Step-by-Step Guide
How to cancel Simply Business insurance in south africa: your complete guide
What Simply Business is and why you might cancel
Simply Business is an online insurance broker that helps small business owners, contractors and sole traders in South Africa compare and purchase tailored cover such as public liability and professional indemnity insurance. The platform connects you with third-party insurers, manages policy servicing, renewals and customer support through its website and mobile apps. You pay the insurer directly; Simply Business acts as the intermediary.
You may decide to cancel your Simply Business policy for legitimate reasons: you have found a cheaper quote elsewhere, your business circumstances have changed, you no longer require the cover, or you are unhappy with the service or claims experience. Whatever your reason, Yafee is here to guide you through the cancellation process step by step and ensure you understand your consumer rights under South African law.
Who uses Simply Business
Small business owners across South Africa rely on Simply Business to streamline their insurance shopping without contacting each insurer individually. Sole traders and contractors particularly value the speed and transparency of the service, comparing multiple quotes online in minutes rather than days.
However, convenience does not mean you are locked in. You have the right to cancel at any time, and Yafee is committed to helping you exercise that right without stress or confusion.
How insurance cover differs from software subscriptions
Unlike streaming services or software-as-a-service subscriptions, insurance cancellation involves multiple parties and moving parts. Your cover is provided by a third-party insurer under their terms, not Simply Business directly. The insurer sets refund eligibility, cancellation fees and claims cut-off dates. Simply Business acts as the broker managing the relationship between you and the insurer.
Understanding this distinction is crucial before you cancel. You must check your specific policy documents to know exactly what applies to your cover, because the insurer's terms, not the broker's convenience, determine your refund and cancellation rights.
Your consumer rights in south africa
South African consumer law grants you solid protection when cancelling insurance policies purchased online or through brokers, regardless of the broker's terms and conditions.
The 14-day cooling-off period
You have the right to cancel within 14 calendar days of purchase with minimal penalty. This cooling-off period is your safety net if you change your mind or find a better deal. During this window, you will typically only pay a pro-rata charge for the cover you have actually used; the insurer must refund the remainder.
The 14-day clock starts from the date you receive your policy documents, not from the date you pay. Make a note of this date immediately and keep your email confirmation. If you cancel within 14 days, Simply Business or the insurer must refund the unused portion, minus only the cost of cover already provided.
Consumer protection act protections
The South African Consumer Protection Act (No. 68 of 2008) requires that Simply Business and the insurer treat you fairly, provide clear terms in plain language, and not hide cancellation conditions or fees in small print. If Simply Business refuses a reasonable cancellation request or claims a fee that is not clearly disclosed in your policy documents, you have grounds to escalate your complaint.
Your legal position: You are entitled to cancel your policy at any time, provided you give notice in writing and comply with any reasonable minimum notice periods (typically 7 to 14 days) set out in your policy. The insurer may apply a pro-rata cancellation charge only if you have used the cover. Excessive or undisclosed cancellation fees breach the Consumer Protection Act.
If you face resistance from Simply Business or the insurer, the National Consumer Commission (NCC) can investigate your complaint at no cost to you. Yafee recommends keeping all correspondence with the broker and insurer as evidence if you need to file a formal complaint.
How to cancel Simply Business: step-by-step methods
You have multiple ways to cancel your Simply Business policy, depending on how you purchased and paid for it. Yafee recommends choosing the method that leaves you with the clearest written record of your cancellation request.
Cancelling through your online account (fastest option)
This is the quickest and most transparent way to cancel if Simply Business allows it on your policy dashboard.
- Sign into your Simply Business account using your email address and password.
- Navigate to "My Policies" or "Dashboard".
- Locate the policy you wish to cancel.
- Select the policy and look for a "Manage Policy" or "Cancel" button.
- Read the cancellation summary carefully.
- Note any refund amount and cancellation fees displayed.
- Click "Proceed to Cancellation" and confirm your request.
- Simply Business will send you a cancellation confirmation email.
- Keep this email as proof of your cancellation date.
- Forward this confirmation to the insurer to trigger your refund.
- The insurer processes refunds within 5 to 10 business days.
- Check your bank account for the refund.
Cancelling by email or letter
If you cannot cancel online or Simply Business does not offer an online cancellation option, you must submit a written cancellation request. This method creates a formal record that protects you if a dispute arises.
- Gather your policy documents.
- Locate your policy number.
- Find the insurer's name and the broker's contact details.
- Compose a brief cancellation email or letter.
- Address it to Simply Business (contact email or postal address below).
- State your policy number, cover start date and desired cancellation date.
- Write: "I hereby give notice to cancel my policy effective [date], in accordance with the Consumer Protection Act, 2008."
- Send your cancellation request to the broker.
- Use email with read receipt enabled, or send by registered post.
- Keep a copy of your sent email or a copy of the registered envelope receipt.
- Expect a confirmation from Simply Business within 2 to 3 business days.
- The confirmation will state your cancellation date and any refund amount.
- If you do not receive confirmation, follow up by phone or escalate to the NCC.
Cancelling by phone
Telephone cancellation is convenient but does not create an automatic written record. Always request a confirmation email after you cancel by phone.
- Call Simply Business customer support on the number provided in your policy documents.
- Have your policy number and personal details ready.
- Tell the agent you wish to cancel your policy effective immediately or on a specific date.
- Ask the agent to confirm the cancellation date and any refund amount.
- Request a cancellation confirmation email.
- State your email address clearly.
- End the call only once you have received the email confirmation.
Cancelling through a third-party complaint service
If Simply Business refuses to cancel your policy or disputes your refund entitlement, you may escalate to the National Consumer Commission (NCC) or use a dispute resolution service.
- Gather all evidence: policy documents, cancellation emails, refund calculations and any correspondence with Simply Business.
- Contact the NCC at [email protected] or visit the NCC website.
- File a formal complaint with full details of the dispute.
- The NCC will contact Simply Business and the insurer to investigate.
- The NCC will attempt to resolve the matter within 30 days.
- If the NCC upholds your complaint, Simply Business and the insurer must comply with the NCC's ruling.
- Failure to comply may result in penalties and enforcement action.
Refund timelines and how to track your money
After you cancel your Simply Business policy, the insurer is responsible for calculating your refund and processing payment. Yafee recommends tracking your refund closely to ensure you receive the correct amount within the promised timeframe.
When you receive your refund
Once you submit your cancellation request, the insurer typically takes 5 to 10 business days to calculate and issue your refund. This timeline depends on how quickly Simply Business forwards your cancellation to the insurer and how the insurer processes refunds. Some insurers may delay if you have active claims or outstanding premiums.
You will normally receive your refund to the bank account you used to pay the premium. If you paid by credit card, the refund may appear as a credit note or reversal on your card statement within 3 to 5 business days after the insurer processes it.
What to do if your refund is late or incorrect
If you do not receive your refund within 14 business days of your cancellation date, contact Simply Business immediately and ask for a refund status update. Request the insurer's refund reference number and expected payment date.
If your refund amount is significantly lower than you expected, compare it against your pro-rata calculation. Calculate the daily cost of your premium and multiply by the number of days you used the cover. If the insurer's refund does not match this calculation and does not account for any disclosed fees, the refund may be incorrect.
Contact both Simply Business and the insurer in writing to dispute an incorrect refund. If neither party responds or corrects the error within 14 days, escalate to the NCC with evidence of your calculation and all correspondence.
Common cancellation traps and how to avoid them
Cancelling insurance is straightforward once you know the pitfalls. Yafee has helped thousands of consumers avoid costly mistakes when cancelling their policies.
Allowing your policy to auto-renew
Many insurers and brokers auto-renew your policy on the anniversary date unless you cancel in writing before the renewal date. If you miss this deadline, you will be locked into another year of cover and charged a new premium. Check your policy documents for the auto-renewal date and set a calendar reminder at least 30 days before that date.
Cancelling online without email confirmation
Some insurers allow online cancellation but do not send automatic email confirmations. If you cancel online and receive no email confirmation, contact the broker or insurer by email or phone to request written proof of your cancellation. Without proof, you have no evidence that your cancellation was processed if a dispute arises later.
Ignoring notice periods in your policy
Your policy may require you to give 7, 14 or 30 days' notice before cancellation takes effect. If you submit your cancellation request without respecting this notice period, the insurer may charge you a penalty or delay your cancellation date. Read your policy terms carefully and calculate your intended cancellation date to ensure you meet the notice requirement.
Assuming online submission counts as delivery
If Simply Business requires you to submit your cancellation through an online form on their website, keep a screenshot of the submission confirmation and the date and time it was submitted. Yafee advises following up with a separate email to the broker's cancellation email address stating: "I submitted a cancellation request on [date] at [time]. Please confirm receipt and processing." This creates a secondary record.
Not checking the insurer's name on your policy
Simply Business is the broker, not the insurer. Your policy is underwritten by a third party (for example, Hollard, Santam or another insurer). If you only contact Simply Business and the insurer's details are not forwarded, your cancellation may stall. Always confirm the insurer's name and contact details before you cancel, and ensure both the broker and the insurer receive your cancellation request.
What happens after you cancel your Simply Business policy
Once your cancellation is complete, your cover ends on the cancellation date and you are no longer protected by that policy. Yafee recommends taking these steps to protect your business during the transition.
Arrange replacement cover before cancellation
Never cancel your existing policy before you have purchased new cover and received confirmation from your new insurer. A gap in cover means your business is uninsured and exposed to liability claims. Once your new policy is active (usually within 24 to 48 hours), you can safely cancel the old one.
Inform your clients and suppliers
Some contracts with clients or suppliers require you to hold specific insurance. Before you cancel, check your client agreements to see if you must maintain certain cover. If you are switching insurers, you may need to provide your new insurer's details or a new certificate of insurance to your clients.
Keep your cancellation records
Store your cancellation confirmation email, refund receipt and policy documents in a secure folder (digital or physical) for at least 6 years. This record protects you if a claim dispute arises after cancellation or if the insurer or broker disputes your refund entitlement later.
Pricing, fees and refund calculations
Simply Business does not charge you a direct premium; you pay the insurer. However, Simply Business may charge a broker fee or administration fee, which is deducted from your refund if you cancel early.
| Scenario | Refund you receive | Fees deducted |
|---|---|---|
| Cancel within 14 days of purchase | Full unused premium refund (minus fees) | Pro-rata broker admin fee |
| Cancel after 14 days, during policy year | Pro-rata unused premium (minus fees) | Broker cancellation fee + admin charge |
| Cancel just before renewal | Pro-rata refund (very small amount) | Broker fee |
| Policy expires naturally (no cancellation) | No refund | None |
| Policy with active claim | No refund until claim resolved | All fees apply |
| Cancellation due to insurer breach | Full refund of unused premium | No fees (consumer right) |
How pro-rata refunds are calculated
A pro-rata refund means you only pay for the cover you actually used. If your annual premium is R1200 and you cancel after 3 months (90 days), your refund is calculated as follows:
Daily cost = R1200 divided by 365 days = R3.29 per day. Days used = 90 days. Cost of cover used = R3.29 x 90 = R296. Refund = R1200 minus R296 minus any broker fees = R904 (less admin charges).
Ask Simply Business or the insurer to provide the exact pro-rata calculation in writing before you cancel. This ensures you understand what you will receive and can dispute the refund if it is calculated incorrectly.
Should you cancel or keep your Simply Business policy
Cancellation makes sense in certain situations, but not in others. Yafee recommends evaluating your specific circumstances before you decide.
Good reasons to cancel
- You have found a significantly cheaper quote from another broker or insurer.
- Your business circumstances have changed and you no longer need the cover.
- The insurer has refused a claim unfairly or the broker has provided poor service.
- You are consolidating policies with a different broker for simplicity.
- Your renewal premium has increased sharply and another insurer offers better value.
Reasons to keep your Simply Business policy
- You are still within the 14-day cooling-off period and have not yet decided on a replacement.
- You have an active claim and cancellation may delay resolution.
- The new insurer's cover is slightly cheaper but has wider exclusions or lower limits.
- Switching costs (admin time, new documentation, setup delays) exceed your annual savings.
- Your current cover includes added-value services (legal helpline, cyber support) that the competitor does not offer.
Contact details for Simply Business cancellations in south africa
Simply Business is registered in the United Kingdom, but it serves South African customers through its online platform. Below are the contact methods for submitting a cancellation request and escalating complaints.
Simply Business contact information
Email: Support contact available through your Simply Business online account or policy documents.
Postal address (registered office): Simply Business, 160 Old Street, London EC1V 9BJ, United Kingdom. Note: This is the UK head office. Use this address only for formal legal notices or escalated complaints if the South African contact channels do not respond within 14 days.
Online account: Log into your Simply Business account to view your policy details and submit a cancellation request through your dashboard.
Telephone: Contact details are provided in your policy documents and on the Simply Business website. Use the South African customer service line if available.
Escalation to the national consumer commission
Email: [email protected]
Website: www.ncc.org.za
Postal address: National Consumer Commission, Cnr Fredman Drive and Grayston Drive, Sandown, Johannesburg, 2196, South Africa.
File a complaint with the NCC if Simply Business refuses to cancel your policy, disputes your refund entitlement or fails to respond to your cancellation request within 14 business days. The NCC investigates complaints at no cost and can order the insurer and broker to comply with the Consumer Protection Act.
Summary and next steps
Cancelling your Simply Business insurance policy is your right under South African consumer law, provided you follow the correct procedure and respect any notice periods in your policy. The fastest way to cancel is through your online account; the safest way is by email or registered letter, which creates written proof of your request.
You are entitled to a pro-rata refund of your unused premium within 14 business days of cancellation, minus only the cost of cover you have actually used and any fees clearly disclosed in your policy. If the insurer or Simply Business refuses to refund you or charges excessive cancellation fees, the National Consumer Commission can investigate your complaint at no cost.
Yafee has helped thousands of consumers cancel their Simply Business policies and recover thousands of rands in refunds by following these steps. To cancel today, sign into your Simply Business account or send a written cancellation request to the contact address above. Keep all evidence of your cancellation request and refund, and escalate to the NCC if you encounter resistance.
Your insurance cancellation should not be complicated. Yafee ensures you understand your rights, navigate the process confidently and recover the refund you are legally entitled to receive.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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