- Price
- €10.95incl. VAT, 2 pages included
- Delivery time
- 2 to 5 business daysdepending on the postcode
- Proof
- Recipient's signature+ tracking
- Handed to the post
- Within 2 working dayshanded to the post after your upload
- Counts as
- Domestic registered mailprinted and posted in Spain
Do you have to cancel by registered letter?
No. Spanish law asks for written notice and does not say how to send it. If your insurer accepts cancellations online, that counts too: ask for written confirmation.
The risk is the date. If the insurer says your notice arrived late, the policy renews for another year and you are charged. A carta certificada gives you the delivery date and the signature of whoever received it.
What deadlines does Spanish law set?
| Who and what | Deadline |
|---|---|
| You do not want to renew | Your letter must arrive at least one month before the end date |
| The insurer does not want to renew | It must tell you at least two months before |
| The insurer changes the price or terms | It must tell you at least two months before the end date |
| Length of each renewal | One year at most |
Example: if the policy ends on 31 December 2026, your letter must arrive by 30 November. Upload it at least 7 working days before the deadline: we hand it to the post within 2 working days, and delivery takes 2 to 5 business days.
How do you cancel?
- Find the end dateIt is in the policy's particular conditions (condiciones particulares).
- Write the letterWith the policy number, from the sample in Spanish.
- Upload the PDFWe print it in Spain, and Correos delivers it against the recipient's signature.
- Keep the proofDownload the proof with the delivery date and signature.
Sample text in Spanish
One letter per policy. Replace the parts in brackets.
[Nombre y apellidos], [documento de identidad]
[Tu dirección]
[Nombre de la aseguradora]
[Dirección de la aseguradora]
[Lugar y fecha]
Asunto: oposición a la prórroga de la póliza n.º [número]
Muy señores míos:
Les comunico mi oposición a la prórroga de la póliza n.º [número], de [tipo de seguro], que vence el [fecha]. No deseo renovarla para el siguiente periodo.
Les ruego que me confirmen la baja por escrito y que no carguen nuevos recibos en mi cuenta.
Atentamente,
[Firma]
What else should you do?
- If you switch insurer, take out the new policy before the old one ends. Car insurance in Spain cannot lapse for a single day.
- If the renewal premium is charged although your letter arrived in time, ask the insurer for a refund and attach the proof of delivery.
- Life insurance can follow its own rules: check your policy conditions.
Frequently asked questions
How much notice do I have to give?
Your notice must reach the insurer at least one month before the current period ends.
Is a burofax or registered letter required?
No. The law asks for written notice. A carta certificada is how you prove it arrived in time.
What if the insurer says it never arrived?
The proof of delivery shows the date and signature. Without proof, the policy can renew for another year.
How much notice does the insurer give?
At least two months, both to end the policy and to change the price or terms.
Can I send it from outside Spain?
Yes. We print it in Spain and the Spanish post delivers it, as if you had posted it there.
Does this work for any policy?
It works for home, car, health, funeral and most yearly policies. For life insurance, check your conditions.