Privacy Policy

Quotations

Unless otherwise advised, any quotation will remain valid for a period of 21 days. We reserve the right to amend or withdraw any quotation following submission of a proposal form which contains information that we believe was not advised to us at the time the original quotation was proffered.

Cooling Off Period and Cancellation

You have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day you received your policy documents, whichever is the later. If you wish to do so and the insurance has not yet commenced you will be entitled to a full refund of the premium paid. Alternatively, if you wish to do so and the cover has already commenced, you will be entitled to a refund, subject to a deduction for the time for which you have been covered.

• The provision of insurance services is subject to the satisfactory payment of the appropriate premium
• The provision of insurance services is subject to the satisfactory payment of the appropriate premium
• The provision of insurance services is subject to the satisfactory payment of the appropriate premium
• The provision of insurance services is subject to the satisfactory payment of the appropriate premium

Payment and Documentation

The provision of insurance services is subject to the satisfactory payment of the appropriate premium. Premiums are due for payment by inception / renewal date of the policy. Premiums resulting from a request for amendment are due immediately upon request. We will provide full information about your payment options at the appropriate time. We may keep certain documents such as your insurance policy documents or certificate until we receive full payment. In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents which you are required to have by law.

Failure to make arrangements to pay premiums by the due date will lead to the cancellation of cover in respect of new policies and renewals, or the required change not being actioned in respect of amendments. If you are unable to pay the premium by the due date please let us know immediately.

1. The provision of insurance services is subject to the satisfactory payment of the appropriate premium
2. The provision of insurance services is subject to the satisfactory payment of the appropriate premium
3. The provision of insurance services is subject to the satisfactory payment of the appropriate premium
4. The provision of insurance services is subject to the satisfactory payment of the appropriate premium