{"id":13386,"date":"2024-02-11T07:57:26","date_gmt":"2024-02-11T06:57:26","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=41004"},"modified":"2025-07-21T12:08:56","modified_gmt":"2025-07-21T10:08:56","slug":"how-to-cancel-home-insurance","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/como-dar-de-baja-seguro-hogar\/","title":{"rendered":"How to cancel a home insurance policy?"},"content":{"rendered":"

What do I have to do to cancel a home insurance policy? Normally, these policies are renewed every year and, if you want to change company or cease to be protected by this type of policy, you will have to give prior notice. Cancellation of the household insurance<\/a> is a simple procedure as long as the instructions stipulated by law are followed:<\/p>\n

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  1. One month before the renewal date<\/li>\n
  2. In writing<\/li>\n<\/ol>\n

    The good news is that cancelling a home insurance policy involves the same procedure: do it in a timely manner. We explain step by step how to cancel your home insurance, what the deadlines are and what your notification must include.<\/p>\n

    Deadline for cancelling a home insurance policy<\/h2>\n

    The Insurance Contract Law<\/a> provides that the insured must give notice of termination of the extension of the insurance at least one month before the renewal date.<\/p>\n

    According to the regulation: \u201cThe parties may oppose the extension of the contract by giving written notice to the other party at least one month before the end of the current insurance period when the party opposing the extension is the policyholder, and two months when it is the insurer\u201d.<\/p><\/blockquote>\n

    Most home insurance policies are renewed from year to year, unless one of the parties objects. Therefore, it is very important that if you wish to cancel your home insurance policy, you give at least one month's notice before the stipulated date.<\/p>\n

    If you would like an insurance broker to advise you on the most suitable options for your home and your protection needs, do not hesitate to get in touch with PIB Group Iberia.<\/a><\/p><\/blockquote>\n

    Can home insurance be cancelled after the deadline?<\/strong><\/h2>\n

    According to the legislation and the terms and conditions of the insurance companies, it is necessary to notify within one month. In any case, in this case, it is advisable to contact the company to see how to manage it.<\/p>\n

    The main problem you may have is that the insurer may file what is known as an \u201corder for payment\u201d process, that is, that they claim the amount of the renewal of the insurance. Therefore, our advice is always to cancel in due time and form to avoid problems.<\/p>\n

    Even if the insurer decides to cancel the insurance, if you cancel it by returning a receipt, you could be included in a debt collection file... This would penalise you when applying for a loan, for example. It can be dangerous to cancel after the deadline.<\/p>\n

    During the term of your contract, you can cancel your insurance whenever you want, but most companies do not undertake to return the proportional part, and the actual cancellation will take place at the expiry of the insurance. For example, if your insurance was renewed in February and you decide to cancel it in April, the company will not usually refund the proportional part not taken advantage of, since it is valid for one year.<\/p>\n

    Steps to cancel your home insurance policy<\/h2>\n

    1. Identify the renewal date<\/h3>\n

    Look in your contract or in your Customer Area on the company's website for the renewal date and remember that the deadline for these procedures must be within one month. Of course, you don't have to wait until the last day, we recommend that you do so well in advance.<\/strong>, for example, two months.<\/p>\n

    2. Prepare your home insurance cancellation request<\/h3>\n

    This written request must clearly state the following information:<\/p>\n