Refund Policy:

You can cancel your policy at any time by telling us in writing. Cancelling a Direct Debit instructions does not mean you have cancelled the policy.

• If you cancel before your policy is due to start, we will return any premium you have paid in full.
• If you cancel within 14 days of the policy starting (Cooling Off Period) and confirm you have destroyed all copies of the Policy Schedule and certificates and state you have not suffered any loss and no incidents have arisen that could result in a claim under the policy, we will treat on the basis there has not been any cover provided and return any premium paid.
• If you cancel after those 14 days have passed, we will return any premium paid less:
  • a charge for the number of days for which cover has been given (see policy schedule),
• and
  • an additional administration fee of £25

We will not refund any premium if you have made a claim or if one has been made against you during the period of cover.

Before deciding to cancel any policy you should call us to discuss the matter on 0345 605 8670