National General Insurance provides vehicle insurance like auto, commercial auto, RV, and motorcycle coverage, as well as home insurance including homeowners, condo, and renters policies. They also offer extra products like flood insurance, private collections, and umbrella coverage. For billing, customers can pay easily through a Quick Pay option or use paperless billing to get their bills electronically, which is convenient and helps reduce paper waste. If you have a policy, you might see charges from them for these insurance services and can review or pay bills via their My Policy online portal.
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Cancellation requires a phone call to a specific number or visiting a local agent, which is straightforward but not instantaneous or online. The user must also consider timing related to renewal dates and potentially wait for a refund, but the actual cancellation process is relatively quick once on the call.
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How to Cancel National General Insurance: Step by Step
If you purchased through National General Insurance:
- Contact Customer Support: Call National General at 1-888-293-5108 to initiate the cancellation process.
- Provide Necessary Information: Be ready to provide your basic information, including your policy number and the date you want your policy to end.
- Discuss Confirmation: Ask about confirming the cancellation process and ensure you know about any possible refunds for unused premiums.
- Verify New Coverage: Confirm your new insurance policy details if applicable to avoid lapses in coverage.
- Cancellation by Mail: If you prefer, send a written cancellation request to the specified address (make sure to include your policy number and requested cancellation date).
- Cancellation via Online Account: Log into your online account at nationalgeneral.com if available to check if you can submit the cancellation request online.
- Receive Confirmation: Expect a cancellation confirmation via email or mail within one to two business days after the cancellation request is processed.
Tips & Tricks for Canceling National General Insurance
- Call promptly: Call early in the day to ensure you reach a live representative before close.
- Use clear language: State explicitly you want to cancel the policy flat due to having other insurance coverage.
- Provide proof: Be ready to send or mention your declaration page from your new insurance to smooth the process.
- Request escalation: If the representative hesitates, ask to speak to a supervisor or manager to ensure cancellation.
- Timing matters: Cancel before the policy effective date for a full refund; after that expect possible short-rate cancellation fees.
- Written confirmation: Follow up the call with a written cancellation request via email or mail to have proof.
- Expect hold times: Be patient and prepared for possibly long wait times on the phone.
- Stay firm and polite: Persistence paying off; stay calm but assertive to avoid retention pushes.
- Document everything: Keep notes of dates, times, names, and what was discussed during cancellation calls.
- Prepare to absorb initial costs: Some users accept losing the down payment to expedite flat cancellation.
National General Insurance Customer Service Info
If you need assistance, here's how you can get in touch with National General Insurance's support team.
Cancel National General Insurance Script
Script
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Dear National General Insurance Team,
I hope this message finds you well. I am writing to formally request the cancellation of my insurance subscription with National General. Due to recent changes in my financial circumstances, I find it necessary to reassess my commitments, and unfortunately, I must discontinue this policy at this time.
I would appreciate your assistance in processing this cancellation promptly. Please confirm that my subscription has been canceled and let me know if there is any additional information you require from my side.
Thank you for your attention to this matter.
Best regards,
Frequently Asked Questions
National General Insurance's cancellation policy states that cancellation of a policy before the term expiration date may incur a cancellation fee. Late payments can result in policy cancellation, and missed payments may also incur late fees or insufficient funds fees.
To cancel your National General Insurance subscription, you do need your password as part of the process since you are required to log in with your Customer ID and password on their website to proceed with cancellation. If you do not remember your password, you can reset it here: https://identity.nationalgeneral.com/customer/Account/ForgotPassword
If you prefer, you can also cancel by calling their customer support at 1-888-293-5108 or speaking with a local agent. This provides an alternative if you don't want to or can't log in online.
- Non-payment of premiums or bills leading to policy cancellation.
- Dissatisfaction with claim handling or delayed responses from the insurer.
- Change in coverage needs, such as selling a vehicle or property, or finding a better insurance deal elsewhere.
- Policy cancellation fees or unexpected charges when canceling midterm.
- Perceived unfair premium increases making the insurance unaffordable or not worth the cost.
- Administrative errors such as being charged after cancellation or billing mistakes.
- Insurance policy non-compliance like misrepresentation or failure to disclose essential information.
- Switching to another insurer for better coverage or customer service.
National General Insurance may charge a cancellation fee if you cancel your policy before the term expiration date, so you should be aware that early cancellation can come with fees. Additionally, late payments can lead to policy cancellation and possible late fees. There may be some contract lock-ins or terms in the policy that prevent instant cancellation without cost, so it’s important to carefully review your contract and speak with a representative before cancelling.
Before cancelling your National General Insurance policy, you should know that cancellation must be done by phone, either by calling a local agent or the company directly at 1 (888) 293-5108, as online cancellation is not available. If you cancel your policy before the expiration or renewal date, you may incur a cancellation fee, but canceling at renewal typically avoids these fees. It's crucial to have another insurance policy in place before cancellation to avoid any lapse in coverage, which could lead to legal penalties, fines, or financial loss in accidents. After cancellation, you may be eligible for a refund if you cancel early enough, but it can take 2-4 weeks, so be sure to request confirmation of cancellation and monitor your bank statements for any further charges.
- Full name and basic contact information
- National General policy number
- Renewal date of your policy
- Desired cancellation date
- Written cancellation letter (may be required)
- Details of a new insurance policy (company name, policy start date)
- Documentation or required forms (if requested)
- Identification of policyholder (if required for verification)
- Bank account details (for refunds if applicable)
- Confirmation of stopping automatic payments (after cancellation confirmation)
- Address for mailing written notice (if canceling by mail)
- Ask customer service about any cancellation fees
- Request written proof of cancellation
We've actually written a step by step guide on how to get a refund from National General Insurance. Check it out!
The Easiest Way to Cancel National General Insurance
If you’re frustrated trying to cancel your subscription, membership, or bill from National General Insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
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NATIONAL GENERAL PAYMENT PPD ID: 1005005023, NATL GEN INS*NPS4E, NATL GEN INS*RECURRING, Natl Gen Ins*Nps4 E
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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