Canceling Your Wawanesa Car Insurance Policy: A Step-by-Step Guide

Purchasing car insurance is an important decision, but sometimes situations change and you need to cancel your existing auto policy. Canceling your Wawanesa car insurance doesn’t have to be a difficult process if you understand the steps involved.

This comprehensive guide will walk you through how to cancel your Wawanesa auto insurance policy.

Overview of Canceling Wawanesa Car Insurance

Here are some key things to know about canceling a Wawanesa auto insurance policy

• You can cancel at any time by calling Wawanesa customer service at 1-800-640-2920.

• The cancellation date will be effective at 12:01 am on the day you request.

• You may be charged a $50 cancellation fee if canceling in the first 60 days of the policy period.

• Any premium overpayment will be refunded within 5-7 business days after cancellation.

• You’ll need to provide proof of new insurance at traffic stops once canceled.

• Your driver’s license may be suspended if you drive uninsured after canceling.

• Consider alternatives like changing vehicles, adjusting coverage, or switching payment plans before canceling.

When Can You Cancel Your Wawanesa Auto Policy?

You have the option to cancel your Wawanesa car insurance policy at any time during the policy term. However some important notes

• If you cancel in the first 60 days, you will incur a $50 cancellation fee.

• You can only receive a refund on unused premium if canceling mid-policy. No refund is issued for cancellations after the policy expiration date.

• Canceling a policy early may result in higher rates when shopping for new insurance. Having continuous coverage is viewed positively.

• Make sure you have a new policy lined up before canceling to avoid any gaps in coverage.

How Many Days in Advance Should You Cancel?

You can request cancellation effective immediately or schedule it for a future date. Best practices:

• Notify Wawanesa at least 5 business days before your requested cancellation date. This ensures time for the change to fully process.

• Have your new insurance policy ready to go into effect the day your Wawanesa policy cancels so you avoid being uninsured.

• Set your cancellation date for the end of the month. This maximizes the unused premium you’ll be refunded.

• Avoid canceling mid-month if possible. Premium refunds are pro-rated daily, so canceling mid-month results in the smallest refund.

Can You Cancel Wawanesa Car Insurance Online?

Wawanesa does not currently offer the ability to cancel your auto policy online. To cancel, you must call Wawanesa’s customer service line at 1-800-640-2920.

When you call, the representative will:

• Verify your identity by requesting personal information like date of birth, vehicles, and address.

• Confirm your intent to cancel and document the reason for cancellation.

• Record your requested cancellation date and process the change in the system.

• Provide a cancellation confirmation number to document the transaction.

• Review next steps like obtaining proof of new insurance and receiving your premium refund check.

Step-by-Step Guide to Canceling Your Policy

Follow this step-by-step process when canceling your Wawanesa auto insurance:

1. Have your policy number ready

This will expedite processing when you call Wawanesa. It’s on your insurance cards and declarations page.

2. Determine your cancellation date

Select the date you want your cancellation to be effective. Leaving at the end of the month will maximize your refund.

3. Line up new insurance

Make sure you have a new policy ready to take effect at 12:01 am on the day of your Wawanesa cancellation.

4. Call Wawanesa at 1-800-640-2920

Notify them you want to cancel and provide your cancellation date.

5. Note your cancellation number

Document the cancellation number for your records in case you need to reference later.

6. Turn in license plates (if required)

In some states you must surrender plates when canceling insurance. Ask Wawanesa about requirements.

7. Watch for your refund check

Expect your premium refund check within 5-7 business days after canceling.

8. Update your proof of insurance

Carry proof of your new insurance in your vehicle. You need this document at traffic stops.

Can You Reinstate a Canceled Wawanesa Policy?

If you cancel your policy but then change your mind, you may be able to reinstate coverage:

• You must request reinstatement within 30 days of your cancellation date.

• Your rates may increase upon reinstatement. The cancellation can be viewed as a break in continuous coverage.

• You’ll need to provide updated information and pay any unpaid premiums to reinstate.

• Your original cancellation date will be voided and coverage restored once reinstated.

• Reinstatement is not guaranteed. Approval depends on underwriting guidelines.

If you want to pursue reinstatement, call Wawanesa customer service as soon as possible and before 30 days have passed to increase the probability of approval.

Alternatives to Canceling Your Auto Insurance

Before canceling outright, discuss all options with your Wawanesa agent or representative:

Change vehicles – Premiums are based partly on your car’s year, make, model. Updating your vehicle could lower your rate.

Adjust coverage – Remove comprehensive and collision or increase deductibles to lower your premium.

Switch plans – Consider a usage-based plan like Driveology if you have a short commute.

Change payment plan – Monthly payments vs. lump sum may make your policy more affordable.

Look for discounts – Ask about every possible discount like safe driving, defensive driver courses, multi-car, and more.

Making adjustments like these could help you avoid a gap in insurance coverage from having to cancel and replace your policy.

Next Steps After Canceling Wawanesa Auto Insurance

Once you formally cancel your policy, follow these next steps:

• Update insurance verification documents with your new carrier’s proof of insurance.

• Remove old insurance cards from your vehicle. Dispose of any unusable cards that display policy details.

• Verify the premium refund check arrives within 5-7 business days as expected. Contact Wawanesa if not received.

• Watch for a cancellation letter from Wawanesa confirming your policy is terminated and no longer active.

• Save this cancellation confirmation letter as proof of the date your insurance ended.

Canceling insurance is often the last resort. Be sure to discuss all possible options with your Wawanesa agent before terminating your policy. Follow the instructions carefully when canceling to ensure a smooth transition to a new insurer.

Frequently Asked Questions About Canceling Wawanesa Car Insurance

Can I cancel my Wawanesa auto policy online?

No, Wawanesa does not currently offer online cancellation. You must call customer service at 1-800-640-2920 to cancel your policy.

When will I get my premium refund after canceling?

Expect your refund check within 5-7 business days after your cancellation date. The amount will be prorated based on the unused portion of premium.

Do I need to notify the DMV if I cancel my insurance?

You typically do not need to notify the DMV. But you will need to turn in your license plates in some states, so check requirements with Wawanesa.

Can I reinstate my canceled Wawanesa policy?

Yes, you can reinstate a canceled policy within 30 days of cancellation. However, rates may increase and approval is not guaranteed.

What happens if I cancel and become uninsured?

You must carry proof of new insurance at all times. Driving uninsured can lead to fines, license suspension, and vehicle impoundment.

Can I switch my Wawanesa policy to a different car?

Yes, you can change vehicles mid-policy which could alter your rates. Contact your agent to update the covered car.

Are there fees for canceling early?

You will incur a $50 cancellation fee if you cancel within the first 60 days of your policy period. No fee applies after 60 days.

Canceling your car insurance policy is an important decision. Be sure to weigh all alternatives before terminating your Wawanesa coverage. Follow all steps carefully to ensure a smooth transition to a new insurer and avoid any gaps in coverage.