14-Day full refund guaranteed.

If you commence any of our insurance policies and decide that it is not suitable within the first 14 days after you take out the policy then we will refund your premium in full, providing a claim has not been made and so long as no incidents have arisen that could result in a claim under the policy. Simply use your user name and password to access your records on our web site and you can cancel the policy immediately. Alternatively you can contact us by phone, fax or post if that is more convenient (see Contact Us).

Cancellation of Policy.

Policies paid by monthly credit card or monthly Direct Debit

You can cancel your policy by using your user name and password to visit your records on the web site or you can advise us by phone, fax or post. We will cancel the policy for you. No refund of premium will be made for the period between the date that you ask for the policy to be cancelled and the date that the next monthly payment is due.

Cover ceases on the date that you request cancellation.

Policies paid annually by cheque or credit card

You can cancel your policy by using your user name and password to visit your records on the web site or you can advise us by phone, fax or post we will cancel the policy for you subject to a cancellation fee of £30 (see Contact Us). The refund will be calculated from the date in the month when the policy was started and will be based on 1/12 of the annual premium for each full month of cover remaining at the time of cancellation. We cannot make a refund where the policy has less than two months before expiry or where a claim has been made.

We will pay refunds to the credit card account or by BACS transfer to the bank account that you nominate at cancellation. You must provide us with these account details.

Cover ceases on the date that you request cancellation.