Cancel policy

Cancels a single policy; the other policies of the same order are not affected. To cancel all policies of an order at once, use the order cancellation on an emitted order.

The cancellation takes effect at the moment of the call: the response already shows the policy as canceled, charging of the following installments stops, and the policy cancelled webhook is sent. Communication with the insurer happens afterwards, asynchronously, and does not undo the cancellation.

Premium refund

The refund, when due, is computed over what has been paid, as of the moment of the request:

Moment of cancellation	Refund
Within 7 calendar days of contracting — cooling-off right	Full refund of what was paid.
After 7 days	Proportional: the part of what was paid that exceeds the coverage period already elapsed.

Request

ENDPOINT

/v1/insurance/policies/{policy_key}/cancel

METHOD

POST

Path params

Parameter	Type	Requirement	Description
policy_key	string	required	The policy key.

Request Body

{
  "reason": "Cliente solicitou o cancelamento"
}

Field	Type	Requirement	Description
reason	string	optional	Cancellation reason, 1 to 255 characters, recorded in the event trail and sent in the cancellation webhook. Without a reason, requester_requested is recorded. The whole body is optional.

Response

STATUS

200

Response Body

{
  "policy_key": "0b6e7c1a-9a4e-4c1e-b1d4-2f5a8c9e0d31",
  "order_key": "5e2b3f60-7c4b-4c8e-9f1a-6d2e8b4a7c90",
  "status": "canceled"
}

Behaviour by status

Current policy status	Result
active	200 — the policy is cancelled.
active, with the term already over	409 POL000011 — the coverage has already ended.
canceled	409 POL000012 — the policy is already cancelled.
finished	409 POL000011 — the term has already ended.
another integration / nonexistent	404 POL000001

Errors

Every error (non-2xx) returns the standard body { "title", "description", "translation", "code" } — handle only the code field programmatically.

Status	Code	Description
401 / 403	—	Authentication or authorization failure.
404	POL000001	Policy does not exist or belongs to another integration.
409	POL000011	The coverage term has already ended.
409	POL000012	The policy has already been cancelled.