Making a change to your policy
Please call us immediately if there are any changes to the information set out in the following documents:
- Your schedule documents
- Your 'Questions and Answers' document (if you have a home insurance policy)
- Your ‘Statement of Fact' document (if you have a motor insurance policy)
We will use the new details to amend your answers and we will confirm the quotations generated by our panel of insurers.
If you want to amend your motor policy and your current insurer accepts this, your premium will be adjusted to reflect this quote. If you pay monthly, your monthly amounts will be adjusted.
For all other cases, when you accept a quotation a new policy will be begin. If you pay in full, payment will be due immediately.
If you choose to pay monthly and the finance provider accepts, you may need to pay a deposit immediately (by debit card or credit card). The finance provider will provide a loan for the remaining balance, payable by you in a series of monthly payments. Changes in your circumstances may result in us not being able to offer you cover and your current policy may be cancelled.
See below 'Our refund policy'
How to cancel your policy
You can cancel any policy at any time during the policy term, please contact us:
For home insurance
or call us on 0330 0600 601
or write to:
Policy Expert Home,
Silbury Court West,
352-390 Silbury Boulevard,
For motor insurance
or call us on 0330 0600 602
or write to:
Policy Expert Motor,
2 Parklands Avenue,
There is a cooling-off period for you to check that the policy you have bought meets your needs.
If we provide you with electronic access to your policy documents, this is the first 14 days from the date you purchase the policy.
If we do not provide you with electronic access to your documents, the cooling-off period is 14 days from the date the policy documents are delivered to your correspondence address.
If you cancel your policy in the 'cooling off' period, we may charge you a cancellation fee. Please refer to our fee table below
After the 'cooling off' period, if you cancel a policy, you will have to pay a cancellation fee as set out in the table below
Any optional extra policies you have bought will also be cancelled on the same date as the main policy is cancelled. If cancellation is within the 'cooling off' period, the optional extra policies will be refunded in full. If the cancellation is after the 'cooling off' period, the optional extras will be charged in full.
Our refund policy
If you cancel a policy and have not made a claim, we will refund you an amount of premium for the period from the cancellation date to the policy expiry date.
If you have made a claim under your policy, or a claim has been made against you by a third party before you cancel then:
- if you have paid in full you will not receive a refund
- if you are paying by direct-debit the full annual premium is due and you will be required to pay any outstanding balance on the instalment agreement.
If you have paid in full by card, we will pay refunds back to the original debit card or credit card you used to buy the policy. If this is not possible (for example, if your card has expired) we will arrange to send the refund via bank transfer. We do not issue refunds via cheque.
If you pay monthly, we will cancel your direct debit.
If a direct-debit payment is due from you within five days of the date you request to cancel, it may not be possible to stop that payment. If so, we will only be able to inform you of an approximate refund amount and will process the cancellation once the payment has completed.
If you have chosen to pay by direct debit your effective date of policy cancellation will be the last date of paid cover, or the cancellation date you request, whichever date is the earliest.
Our right to cancel your policy
We have the right to cancel any policy at any time if there is a valid reason for doing so (for example, if you haven't given us the correct information). We will give you at least 7 days' notice in writing to the email address you have provided before cancelling any policy. If you have not provided us with an email address then we will send this notification by post to the correspondence address you have provided. If fraud has been proven, we do not have to give you notice and can cancel the policy immediately.