How do I cancel my policy?
Your right to withdraw: "Cooling-off period"
When you purchase an insurance policy from us, you have a fourteen-day period during which you can change your mind and withdraw from the contract. This fourteen-day period starts from the date on which your policy commences or the date on which you receive your policy documents, whichever is later. If you decide to cancel your policy during this period, your insurer may make a proportionate charge for the time your insurance has been in force, and a proportionate charge may also be made for any add-on policies you may have taken. In addition, we will retain a charge up to £15 for the set up of the policy. As long as you have not made any claims, any other money you may have paid us will then be refunded. If you wish to exercise your right to withdraw from your insurance policy you should advise us of this by calling us on 0845 373 0014 or by writing to us at: Prospect House, Gordon Banks Drive, Trentham Lakes North, Stoke-on-Trent, ST4 4TW. You must return with thi s letter any Cover Note or Certificate of Insurance we have sent to you.
Cancelling your insurance "after the cooling-off period"
If you need to cancel your policy, please call us for further information on 0845 373 0014. Lines are open 8am-8pm Monday to Friday and 9am-4pm on Saturdays.
In the event that your policy is cancelled after the 14 day cooling off period but prior to renewal we will apply a non-refundable fee to recover commission lost by the policy cancellation. Please see our "Terms of Business Agreement" for details on our charges. If no refund is given by your insurer due to the period of insurance that has been provided or in the event of a claim being made, no additional lost commission fee will be payable.
The cost of any optional extra products (for example, Legal Expenses) you may have purchased will be non-refundable after the cooling-off period, with the exception of Breakdown Cover, which has a proportional charge as long as there has not been a claim made.
In the event that your policy is cancelled and there are unpaid monies, we may withhold documents, for example any confirmation of no claims bonus to which you may be entitled, until full payment is made. Any discount we may previously have given you may also be reversed.