This is unfortunately not a freedom we enjoy in the US. I recently changed my car insurance provider to a much cheaper one bundled with my home insurance. I called to cancel the old one and talked to the rep for like an hour. He didn't even really try to save my account, made a few half-ass efforts but mostly just chatted. It was early in the pandemic lock down and I didn't have anything else to do anyway so I just talked to the guy for a while. A month later I notice another charge from them. Turns out he just ... didn't cancel it. I think he kept me on the phone so long for plausible deniability if his call got audited, and then just marked me down as a retained customer. When I called to cancel the second time they did actually cancel and refund me back to the original cancel date, fortunately. This was Progressive.