We cancel your customers’
old auto policies.
A new customer just signed with your auto agency or carrier. Hand us their old policy over one API call — we cancel it and hand back a verified outcome. 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 listed agent can cancel, so we route the request to the agent of record.
USAA
Requires the policyholder on the line. We prep the script and coach the call.
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
No playbook yet? We fall back to a conservative, evidence-first route and flag it for curation.
Playbooks are versioned and confidence-scored. New carriers start on a conservative provisional route and get curated as evidence accrues.
One call in. A verified outcome out.
You keep the customer relationship. We take the cancellation from intake to confirmed termination — and prove 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 collect the rest
A branded magic-link flow reaches the consumer to fill gaps and e-sign the ACORD-35 release, prefilled from the case.
Routed the right way
The carrier playbook picks the channel that carrier accepts — fax, email, agent-of-record call, self-serve portal, or state form.
Verified terminated
A case is marked verified only when we hold proof the prior policy ended — and we tell you when we couldn't. Refunds tracked; a signed webhook fires on every transition.
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
A carrier simulator and time-warp fast-forward confirmations before you go live.
Automation first. Humans as a measured last resort.
Cases escalate through three tiers, and every escalation is reason-coded — so automation coverage is something you can measure, not just claim.
Fully automated
Machine-to-machine cancellation with no human in the loop — the default target for every case.
Guided consumer
We prep everything; the consumer does the one thing only they can — a call, a tap, or a signature.
Human ops
A measured last resort. Every manual touch is reason-coded so automation coverage stays measurable.
Supervision without per-case clicks. A release queue, QA sampling, and standing authorization keep partners in control.
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. Start verifying them.
Spin up a sandbox workspace, fire a test cancellation at the carrier simulator, and watch it reach a verified outcome. Pricing is custom, built around your volume.