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When does my insurance policy end?

  • Q
  • When does my insurance policy end?

  • A
  • Monthly policies:
    As per your Certificate Schedule, if you have chosen a Monthly Policy it will automatically renew each month upon receipt of your premium and will continue until you cancel your policy with us by email, post or telephone. If we do not receive your premium payments, your policy will cancel automatically after two attempts to collect. This does not affect the 14 day statutory right you have to cancel as stated in your policy wording.

    Upon cancellation, cover will terminate at the end of the month for which you have paid your premium and no refund will be provided as you will have only paid for the cover you have had.

    This is not the same if you cancel within your first 14 days (‘Statutory Cancellation Period’) where the policy will cancel with immediate effect and any premiums paid will be returned to you.

    Annual policies:
    As per your Certificate Schedule, if you have chosen an Annual Policy your period of insurance is for 12 months from the date of purchase or renewal. Upon cancellation, cover will terminate immediately and providing you have not made a claim (successful or not) you will receive a pro rata refund of the premium. 

    This is not the same if you cancel within your first 14 days (‘Statutory Cancellation Period’) where the policy will cancel with immediate effect and any premiums paid will be returned to you.

    Please note that if you do cancel your policy, your handset will no longer be covered against any major eventualities that your policy covers (such as theft, loss, accidental damage, unauthorised calls or mobile wallet protection).

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