All about cancellations
Your right to cancel the policy
Date of effect of cancellation made by you If you ask us to cancel your policy in writing or by telephone, such cancellation shall take effect on the date the notice is received, or on the date specified in the notice, whichever is later.
You have the right to cancel your policy within 14 days of the date of issue or receipt of your documents, whichever is later. We will only refund to you any premium you have paid, less any fees and charges if you have not travelled, or have made, or intend to make a claim.
If the notice of cancellation is received outside the 14-day cooling-off period no premium will be refunded, however, discretion may be exercised in exceptional circumstances such as bereavement or a change to the policy resulting in us declining to cover your medical conditions.
Cancellation by us
We may give you 14 days' notice of cancellation of this policy by a Recorded Delivery letter to you at your last known address. We will refund you the proportionate amount of the premium left on your policy. If the insured person has passed away, the entitled premium refund will be paid to the estate. In all cases, if an incident has arisen during the period of cover which has or will give rise to a claim, then no refund will be made.
Refund of premiums
No refund of premium will be paid if the notice of cancellation or downgrade in the cover is received outside the 14-day cooling-off period. No refunds will apply if you have travelled, or have made, or are intending to make a claim.
Discretion may be exercised in exceptional circumstances such as bereavement, or a change to the policy resulting in us declining to cover your medical conditions.