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Refund Policy

Your Right to Cancel the Policy

If having examined your policy documentation you decide not to proceed with the insurance you will have 14 days to cancel it starting on the date you receive your policy documentation. To cancel, please write to or email the address shown on your policy documentation. If the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.

You may give notice of cancellation at any time by writing to W.H. Insurance Consultants, and returning your current schedule of Insurance. If your policy has been in force for more than one year, we will return a pro-rata refund of the premium from the date of cancellation up to the renewal date subject to a minimum premium of £20 being retained by the Company. No return will be given if a claim has arisen in the current period of insurance or if a claim might or is likely to arise. If the policy is cancelled in the first year of insurance, short period rates will apply as follows:

If you cancel up to 3 months from the start date we will return 50% of the premium paid.

If you cancel between 3 and 4 months from the start date We will return 25% of the premium paid.

If you cancel over 4 months from the start date no premium refund will be made.

The Company may at any time give 7 days notice of cancellation by recorded delivery or registered letter to you at your last known address. You will then be entitled to a pro rata refund of premium for any unexpired period of cover provided there has been no claim or incident that might give rise to a claim.

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