Understanding Your Refund Eligibility
You may be entitled to a refund depending on:
When you cancel (e.g. before your policy starts, within the 14-day cooling-off period, or after that).
The type of policy you have (monthly instalments vs annual payment).
Whether you've made a claim on your policy.
If you cancel:
Before your policy starts or within the 14-day cooling-off period, you will be charged a £30 admin fee.
After the cooling-off period, cancellation fees vary by plan:
Lightest: £125
Essential: £100
Original: £75
Plus: £60
If you’ve made a claim during your policy, no refund will be issued, and you must pay the full policy premium.
When Will I Receive My Refund?
Once your cancellation is processed:
Refunds are issued automatically if you're eligible.
Refunds typically appear in your account within 3–10 working days, depending on your bank.
Note: We can't speed up the refund once it’s been processed.