We cancel your customers’
old auto policies.
A new customer just signed with your agency. Enter their old policy in the dashboard, or send it over our API, and we submit the cancellation to their old carrier and show you every step. Auto today; homeowners soon.
Every carrier cancels differently. We already know how.
A versioned playbook keyed on carrier, state, policy type, and policy-number pattern decides how each cancellation is handled — so you never have to.
State Farm
Only the agent can cancel. We find the agent and send it to them.
USAA
Needs the policyholder on the phone. We give them the number and exact steps.
Root
App-only cancellation. We guide the consumer through each in-app step to the date.
National General
Accepts the signed release by email — we attach the new declarations page it needs.
Allstate · Massachusetts
Massachusetts needs a state 2-A form — our specialists send it with your request.
Unknown carrier
We look up how they cancel, then confirm it with the customer.
Carriers we haven’t seen yet get looked up and added.
One request in. The cancellation handled.
You keep the customer relationship. We take the cancellation from intake to the carrier, with a record of every step.
Send what you have
POST a cancellation with whatever you hold. Partial data is fine — even a name and prior carrier opens a case.
We reach your customer
By text or email, or you send the link yourself. They fill in the gaps and e-sign.
Routed the right way
The carrier playbook picks the channel that carrier accepts — fax, email, the agent of record, a customer call, a self-serve portal, or a state form.
Delivered and followed up
We confirm it was delivered, ask the carrier to confirm the cancellation, and show you whatever comes back.
Integrate once. Cancel anywhere.
POST whatever you have. Track status by case id. Receive HMAC-signed webhooks as the case moves. Test the whole thing against a carrier simulator first.
$ curl https://policycancel.com/api/v1/cancellations \
-H "Authorization: Bearer pc_sand_9f2c…" \
-H "Idempotency-Key: 3f7a1c9e-2b40-4d8e" \
-H "Content-Type: application/json" \
-d '{
"external_ref": "ref-4711",
"consumer": {
"name": "Jordan Rivera",
"phone": "+15125550123",
"email": "jordan@example.com",
"address": { "line1": "1 Main St", "city": "Austin", "state": "TX", "zip": "78701" }
},
"new_policy": { "carrier": "Clearcover", "policy_number": "CC-991", "effective_date": "2026-07-24" },
"prior_policies": [{ "carrier": "State Farm", "policy_number": "SF-123" }],
"requested_cancel_date": "2026-07-24",
"consent": { "contact_attested": true }
}'Flexible intake
Partial data starts a case; we collect whatever's missing from the consumer.
Idempotent
Retry safely with an Idempotency-Key — the same request never double-opens a case.
Signed webhooks
Every stage transition is pushed with an HMAC-SHA256 signature header.
Sandbox + time-warp
Fast-forward a case to see every step.
We stand in front, so cancellations aren’t your problem
By default, PolicyCancel is the consumer-facing brand on every cancellation. Your agency or carrier never has to run the process or wear its friction — when the old carrier drags its feet, that frustration lands on us and on them, not on you. In Florida and New York we make your brand primary instead, for legal reasons (for now).
- Default — PolicyCancel fronts the consumer flow end to end
- Your brand stays clear of the old carrier's delays and annoyances
- Florida & New York — your brand goes primary, for legal reasons (for now)
- State-correct disclosure language applied automatically
Built for data you can’t afford to mishandle
Cancellations touch real consumer PII and policy records. Here’s how that data is protected — and we won’t claim certifications we don’t hold.
Encrypted in transit and at rest
SEC·01Consumer PII and policy data are encrypted on the wire and in storage.
Scoped API keys
SEC·02Least-privilege keys per environment, with sandbox and live fully separated.
HMAC-signed webhooks
SEC·03Verify every delivery came from us before you act on it.
Durable evidence retention
SEC·04Signed forms, receipts, and carrier replies are retained as an auditable record.
Least-privilege ops console
SEC·05Human access is role-scoped, and every manual action is attributed on the timeline.
Full audit trail
SEC·06Every stage transition and artifact is an immutable, timestamped event.
Stop chasing cancellations. Hand them to us.
Spin up a sandbox workspace, fire a test cancellation at the carrier simulator, and watch it go from intake to the carrier. Pricing is custom, built around your volume.