Your Refund Depends On:
When you cancel
Your policy type (monthly vs annual)
If you’ve made a claim
1. Cancelling before the policy starts
You will be charged a £30 admin fee.
The rest of your premium will be refunded.
2. Cancelling within the 14-day cooling-off period
You’ll receive a pro-rata refund minus a £30 admin fee.
3. Cancelling after the cooling-off period
A standard admin fee is deducted from your refund, based on your plan:
Plan | Cancellation Fee |
Lightest | £125 |
Essential | £100 |
Original | £75 |
Plus | £60 |
You’ll also pay for the days you were covered.
If your total cover plus fee is more than what you’ve paid, you’ll owe the difference.
4. If you’ve made a claim
You will not receive a refund, and you must pay the full premium.