You have the right to cancel your policy at any time.
Returns of premium will only be given upon termination or cancellation of this policy. If there has been a claim in the
current period of insurance, no return of premium will be given. To cancel, please write to or email .
If having examined your policy documentation you decide not to proceed with the insurance you will have 14 days to cancel it starting on the date you receive your policy documentation. If the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. If the insurance cover has commenced, you will be entitled to a refund of the premium paid subject to a deduction for the time for which you have been covered, unless we have been notified of a claim. This will be calculated on a pro-rata basis for the period in which you received cover and may include an additional charge of £31.80 to cover the cost of providing the policy.
After the initial 14 day period, if the policy is cancelled during the first 3 months we will refund 50% of the premium. If the policy is cancelled between 3 and 4 months from inception, a 25% refund will be given. If the policy has been in force for between 4 and 12 months, no return of premium will be given.
If your policy has been in force for more than one year, we will return a pro-rata refund of the premium from the date of
cancellation up to the renewal date.