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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.




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If your policy started or renewed before 01/01/2015 American Express Insurance Services Europe Limited registered in England and Wales under company number 05048826 at 76 Buckingham Palace Road, London SW1W 9AX introduces you to UKAIS Limited who will arrange and administer your policy of insurance from a selected panel of insurers. UKAIS Limited is authorised and regulated by the Financial Conduct Authority under registration number 307223. The company is registered in England and Wales under company no. 02613429 with its offices at Prospect House, Gordon Banks Drive, Trentham Lakes North, Stoke-on-Trent, ST4 4TW.

If your policy started or renewed on or after 01/01/2015 American Express Insurance Services Europe Limited registered office 76 Buckingham Palace Road, London SW1W 9AX registered in England and Wales 05048826 introduces you to Ageas Retail Limited who will arrange and administer your policy of insurance from a selected panel of insurers. Registered office Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number: 312468. Ageas Retail Limited is a member of the DMA and a sister company of Ageas Insurance Limited.