Policies can be cancelled before the policy effective date, but a fee of up to $25 will be charged. Cancellation before the policy effective date involves only a nominal fee and is free from additional penalties typical for mid-term cancellations.
If you have an active policy and wish to cancel before 12 months, you will be subject to a short-rate cancellation fee. This fee varies depending on how many days the policy has been in force. The earlier the policy is cancelled, the higher the penalty will be. This typically translates to 3-4 months of the policy's premium being charged as a penalty, though specifics will depend on your individual policy terms.
Please note that fees and taxes are fully earned and non-refundable. The outstanding balance is due at the time of cancellation and will be charged to the card on file. For policies paid annually, unused coverage may be refunded after applicable fees are deducted. Refunds are not typically available for monthly payment plans, where early cancellation charges apply.
To ensure transparency, we provide our customers with the short-rate cancellation table in their policy documents under Table R7. Customers can initiate cancellations conveniently through our online portal or by contacting customer support for assistance. Instructions for using the Customer Portal are detailed in the policy documents provided.
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