Refund & Cancellation Policy

Cancelling Your Policy 

You may cancel this policy at any time, if you received this policy free of charge there will be no refund of premium. 

Statutory Cancellation Rights 

If you have paid a premium for the cover and you cancel within 30 days of the receipt of the policy documentation or the commencement date, whichever is later, we will make a full refund of the premium provided no claim has been made. 

Where a claim has been made within the first 30 days then the value of the claim will be deducted from your refund. Should this reduce the balance to zero then no refund will be payable to you. 

You should contact the agent to arrange the premium refund. The agent will refund your premium to you after authorisation from us. After receipt of your instructions no further claim payments will be made for any incident likely to result in a valid claim being made, whether notified to us or not at the time of us receiving your instructions. 

Cancellation Outside the Statutory Period 

If you pay for this policy monthly, and you cancel this policy after the first 30 days from receipt of the policy documents or the commencement date, whichever is later, your cover will continue until your next premium installment is due. At this point your cover will end, and no premium refund will be given. 

If you have paid the full premium and you cancel this policy after the first 30 days of receipt of the policy documentation or the commencement date, whichever is later, and no claims have been made, you will be entitled to a pro rata refund for the complete unexpired months remaining of the policy after the deduction of our administration fee of £35. If a claim has been made there will be no refund of premium. 

We will calculate your refund from the date we receive your instruction to cancel. 

You may cancel this policy by providing notice to the administration office in either of the following ways: 

Address: GAPinsure.com, Floor 3, 71 The Avenue, Cliftonville, Northampton. NN1 5BT

Telephone Number: 0800 138 8333

Email Address: info@gapinsure.com

After receipt of your instructions no further claim payments will be made for any incident likely to result in a valid claim being made, whether notified to us or not at the time of us receiving your instructions. 

If you pay for this policy monthly, by direct debit, we reserve the right to cancel this policy immediately in the event that you or anyone acting for you have acted in a fraudulent manner. Please see the fraud condition in the Claims Conditions and How to Make a Claim section for full details of the action we may take. 

If you have paid the full premium for this policy, we reserve the right to cancel the policy by providing 90 days prior written notice by registered post to your last known address. If we cancel your policy we will retain an amount of premium for the number of expired months cover and refund the balance calculated on the complete unexpired months to you, at your last known address.