If you decide to leave us, here’s what to expect:
• The price you pay for your insurance includes an administration fee, which is non-refundable in the event of cancellation.
• For policies purchased on or after 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured, and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).
• For policies purchased before 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).
• In the event of a claim being made, regardless of when the policy is cancelled, the full insurance premium is payable and there will be no refund given.
•If Marmalade or our underwriters cancel the policy, we will refund the part of the initial premium, payable by you, and cancellation fees will only apply if you have not adhered to the conditions of the policy.
• If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
• The same charges apply if you cancel your policy within the 14-day cooling off period.
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