If you pay for this policy monthly, and you cancel this policy after the first 30 days from receipt of the policy documents or the commencement date, whichever is later, your cover will continue until your next premium instalment is due. At this point your cover will end, and no premium refund will be given. If you have paid the full annual premium and you cancel this policy after the first 30 days from receipt of the policy documents or the commencement date, whichever is later, and no claims have been made, you will be entitled to a pro rata refund for the complete unexpired months remaining of the policy after the deduction of the administration fee of £30 + VAT. If a claim has been made there will be no refund of premium.

We will calculate your refund from the date we receive notification from you of your instruction to cancel.

After receipt of your instructions no further claim payments will be made for any incident likely to result in a valid claim being made, whether notified to us or not at the time of us receiving your instructions. We reserve the right to cancel this policy immediately in the event that you or anyone acting for you have acted in a fraudulent manner. Please see the fraud condition in the Claims Conditions and How to Make a Claim section of the Policy Booklet for full details of the action we may take.

If you have paid the full annual premium for this policy, we reserve the right to cancel the policy by providing 90 days prior written notice by registered post to your last known address. If we cancel your policy we will retain an amount of premium for the number of expired months cover and refund the balance calculated on the complete unexpired months to you, at your last known address.