We really recommend you get in contact with us before deciding to cancel your insurance policy to discuss your options.

​

You have the right to cancel your insurance policy at any time, but charges will vary depending on when you cancel. When your policy is cancelled, any additional products are cancelled at the same time. Our service charges and those of the insurer are not refundable. Any refunds due can take up to 30 days to be processed. 

​

There are occasions where we will enforce cancellation of your policy. This is only performed when there is a good reason or if your insurers have instructed us to do so. Before cancelling your policy, we will notify you by email to the last known email address you have provided. The cancellation will be treated as a standard cancellation and you will incur the same charges as set out below.

​

Cancelling Before Cover Starts

​

If you have instructed us to start a policy, but choose to cancel before cover has commenced we will charge £60.00 plus any insurer setup fees or cancellation charges*

​

* All insurer fees / charges can be found here

​

Cancelling Within The Cooling Off Period

​

If your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, we will charge:

- A pro rata charge for the time your policy was on cover plus any insurer setup fees or cancellation charges*
- Our policy arrangement fee
- Our cancellation charge of £60.00
- The full cost for any optional additional products if the benefit has been used.

​

* All insurer fees / charges can be found here

Cancelling After The Cooling Off Period

​

If your cover has started and you decide to cancel your policy outside of the cooling off period, and provided you have not made a claim or had a claim made against you, we will charge:

- A charge based on the time your policy was on cover plus any insurer new business, renewal or cancellation charges**
- Our policy arrangement fee
- Our cancellation charge of £60.00
- The full cost for any optional additional products purchased.

​

* All insurer fees / charges can be found here

 

** Please see your policy wording for full cancellation terms of each of our insurers. 

If you are paying your premium by instalments, where the total cost for your cover exceeds the amount that you have paid the third party finance provider, you will be required to pay the difference within 7 days. Failure to do so may result in us taking steps to recover any debt through a debt recovery agency that may apply further charges to the balance.

If you cancel your policy and you have made a claim, or a claim has been made against you, the full premium and any fees are due. Any remaining instalments will need to be settled.