How to Cancel National General Insurance

Purchasing car insurance is an important step to protect yourself financially in the event of an accident or damage to your vehicle. But sometimes your needs change, and you may find yourself wanting to cancel your existing National General insurance policy.

Canceling your insurance with National General is possible at any time. However, there are a few steps you need to take to properly cancel your policy while avoiding lapses in coverage or penalties.

Below we will cover everything you need to know about canceling a car insurance policy from National General, including:

• Reasons to cancel your National General insurance
• When cancellation fees may apply
• Step-by-step instructions for canceling
• Ensuring you have continuous coverage
• Comparing National General rates to alternatives
• Getting policy cancellation confirmation
• Receiving refunds for canceled policies
• Frequently asked questions about canceling National General insurance

Follow this guide to smoothly handle ending your relationship with National General insurance and transitioning to a new provider.

Common Reasons to Cancel National General Insurance

There are several scenarios in which canceling your current National General policy may make sense:

• You found a better rate: Shopping around revealed you can get cheaper car insurance elsewhere. As rates and discounts change, it pays to periodically compare quotes.

• You’re moving: Relocating out of National General’s service area may necessitate switching providers. Ensure your new policy is active at your new address before canceling.

• You sold your car: Without a vehicle to insure, maintaining coverage is unnecessary. Consider a non-owner’s policy for rental/borrowed car coverage.

• You added your spouse’s policy: After marriage, combining auto policies can sometimes lower costs. Cancel separate plans once a joint policy kicks in.

• You’re unsatisfied with service: Poor customer service or a negative claims experience may motivate you to take your business elsewhere.

• Your needs changed: Life events impacting your driving may call for revising your coverage. Changing providers can facilitate this.

As long as you take steps to avoid lapsing insurance, canceling National General when it no longer fits your needs often makes good financial sense.

Cancellation Fees from National General

National General’s policy allows charging customers a cancellation fee if they cancel a policy mid-term before it renews. This helps National General recoup expenses for setting up the policy.

To avoid cancellation fees:

• Review your policy renewal date and time any cancellation accordingly
• Wait until your policy term expires before non-renewing your coverage
• Contact National General to learn the exact cancellation fee amount for your situation

As long as you cancel at renewal or finish out your existing policy period, you can likely switch insurers penalty-free.

Step-by-Step Guide to Canceling Your National General Insurance

Follow these steps to smoothly handle canceling your National General insurance policy:

1. Have a new policy ready – Before canceling National General insurance, first purchase a new policy with sufficient coverage from another provider. Let this new policy take effect so you avoid any gap in insurance.

2. Call National General at 1-888-293-5108 – National General does not allow customers to cancel online. You must call to cancel. Have your policy number and personal details ready.

3. Specify your cancellation date – Let the agent know the exact date you want your cancellation to take effect. This is typically the start date for your new policy with the other insurer.

4. Provide details on your new coverage – National General will ask for information on your new insurance provider. This ensures you aren’t cancelling while lapsing coverage.

5. Receive and record a cancellation number – Make note of the cancellation number National General provides to reference later if any issues arise.

6. Follow up if you don’t receive confirmation – Contact National General again if you don’t get a cancellation confirmation within a few days of calling.

Maintaining Continuous Coverage

The most critical step when canceling any insurance policy is securing continuous coverage. Lapsing insurance, even briefly, can lead to fines, license suspension, and higher future rates.

Avoid coverage gaps when switching insurers by:

• Comparing quotes and purchasing new insurance a month before your National General policy expires
• Scheduling your new policy to start the day after your National General coverage ends
• Canceling National General on the start date for your new insurance
• Making no changes requiring new proof of insurance until the transition is complete

With a little planning, you can seamlessly switch providers without missing a beat of protection.

How National General Insurance Rates Compare

When considering canceling National General for a new insurer, it helps to understand how their rates compare. Here are sample monthly premiums for full and minimum coverage from National General vs. some competitors:

Rates vary based on your personal factors, but checking average costs provides useful context before switching.

If you qualify for discounts and fall into typical risk categories, chances are you can find cheaper rates than National General provides, making cancellation a smart money move.

Getting Confirmation of National General Cancellation

Be sure to follow up with National General if you don’t receive written confirmation of your cancellation within a week or so. Verifying they processed your cancellation protects against potential billing issues or coverage gaps.

To confirm your policy cancellation was completed:

• Call National General’s customer service line and reference your cancellation number
• Speak to an agent to verify the cancellation went through in their system
• Request they resend a cancellation notice if you did not receive one

Getting cancellation confirmation provides important peace of mind and documentation in case any problems occur.

Receiving Refunds for Canceled National General Policies

Depending on when you cancel relative to your paid policy period, you may be entitled to a prorated refund on your National General insurance. This refund reimburses you for the unused portion of premiums already paid.

To get refunds owed for a canceled National General policy:

• Request refund details when you call to cancel your policy
• If you expect a refund, follow up if payment is not received within 3-4 weeks
• Provide updated payment information if National General contacts you about refund problems

It’s your right as a policyholder to recover any unused premiums within a reasonable timeframe after canceling insurance.

Frequently Asked Questions About Canceling National General Insurance

Below are answers to some common questions about canceling car insurance policies from National General:

Can I cancel National General insurance online?

No, National General requires customers to call their service line at 1-888-293-5108 to cancel a policy. You cannot cancel National General insurance online.

How long does it take to cancel National General insurance?

It should only take 5-10 minutes on the phone to cancel your National General car insurance policy. Allow 7-10 business days to receive written confirmation.

Will my rates increase if I switch back to National General later?

If you maintain continuous coverage when you switch insurers, National General cannot penalize you with higher rates if you return later. Make sure any gap in insurance is avoided.

Can I get prorated refunds for unused months from National General?

Yes, you should receive a prorated premium refund from National General for any prepaid policy term remaining after you cancel. This refund may take 2-4 weeks to process after cancellation.

What if I’m not satisfied with my cancellation experience?

If you have problems getting confirmation or refunds when canceling National General insurance, file a complaint with your state insurance commissioner’s office for assistance.

Cancel Your National General Insurance Policy With Confidence

While canceling your car insurance policy requires care to avoid coverage gaps, the process itself is straightforward. Following the steps outlined and verifying details along the way lets you seamlessly transition from National General to a new insurer that better fits your needs and budget.

With a little preparation, you can change providers worry-free. Do some homework upfront to find the best alternative policy for your situation. Then get ready to start saving as you cancel National General in favor of cheaper, better coverage.