Policies can be cancelled before the effective date without any cancellation charges. However, if you have an active policy and wish to cancel before 12 months, you will be subject to a short-rate cancellation fee. Short-rate cancellation is a penalty which varies depending on how many days the policy is in force. The earlier the policy is cancelled, the higher the penalty will be.

Fees and taxes are fully earned and non-refundable. The outstanding balance is due right at the time of cancellation and will be charged to the card on file.

To ensure transparency, we provide our customers with the short rate cancellation table in their policy documents, under table R7.

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