Cancel your Home Insurance policy

Your right to withdraw from the home insurance contract - "Cooling-off period"

When you purchase a home insurance policy from us, you have a fourteen-day period during which you can change your mind and withdraw from the contract. This fourteen-day period starts from the date on which your insurance policy commences or the date on which you receive your policy documents, whichever is later. If you decide to cancel your insurance policy during this period, your insurer may make a proportionate charge for the time your insurance has been in force, and a proportionate charge may also be made for any add-on policies you may have taken. In addition, we will retain a charge up to £15 for the set up of the policy. As long as you have not made any home insurance claims, any other money you may have paid us will then be refunded. If you wish to exercise your right to withdraw from your insurance policy you should advise us of this by calling us on 0870 220 2753 or by writing to us at: Cover Direct, Freepost MID26302, Stoke on Trent, ST4 4WW. You must return with this letter any Schedule we have sent to you.

Cancelling your home insurance after the cooling-off period

If you need to cancel your home insurance policy, please call us for further information on 0870 220 2753. Our lines are open 8am-8pm Monday to Friday, 9am-4pm Saturday.

In the event that your home insurance policy is cancelled prior to renewal date of its current term and after the cooling-off period, we will make a non-refundable charge in respect of commission lost by the cancellation. Please see our "About our insurance services" for details on our charges. If no refund is given by your insurer due to the period of insurance that has been provided or in the event of a claim being made, no additional lost commission fee will be payable.

In the event that your home insurance policy is cancelled prior to renewal date of its current term and after the cooling-off period, we will make a non-refundable charge in respect of commission lost by the cancellation. Please see our Terms of Business Agreement for details on our charges. If no refund is given by your insurer due to the period of insurance that has been provided or in the event of a claim being made, no additional lost commission fee will be payable.

The cost of any add-on products (for example, Legal Expenses) you may have purchased will be non-refundable after the cooling off period.

In the event that your policy is cancelled and there are unpaid monies, we may withhold documents, for example any confirmation of no claims bonus to which you may be entitled, until full payment is made. Any discount we may previously have given you may also be reversed.