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Refunds & Cancellations

Within 30 days of purchase

All insurances

Please be aware cover will commence and underwriters will be on risk on your chosen date and only if cleared funds for payment are received. However, you have the right to cancel at any time within 30 days of purchase and receive a refund of premium paid, providing notification of cancellation is received by email within that period and providing you have not attempted to or have made a claim in that 30 day period. Upon receipt of a written cancellation request, a refund will be made by cheque within 7 working days.

After 30 days of purchase

After 30 days and provided that no claim has been made you may cancel your insurance and receive a pro-rata refund of the premium paid for each full unexpired months cover, calculated at the date the cancellation request is received by the insurers administrators. A £20 cancellation fee will apply and will be deducted from the refund made to you. Confirmation of these cancellation details can be found in your Terms and Conditions document.

Cancellation and credit of unused premium after your 30 day cooling off period

Gap and Tyre Insurance Only

After 30 days and provided that no claim has been made you may cancel your insurance and receive a pro-rata credit of the premium paid for each full unexpired months cover, where you purchase a new replacement policy from Click2protect UK Limited. A cancellation fee will not apply and in these cases. Confirmation of these cancellation details can be found in your Terms and Conditions document.

A credit of unused premium is not available for Alloy Wheel Insurance or Scratch and Dent Insurance

Transfer of Cover

Gap Insurance

Providing no claim has been made under your insurance, you may transfer the remaining cover to the replacement vehicle subject to the our agreement. There is no charge for transferring your cover. Where the purchase price of the replacement vehicle is greater than the original vehicle purchase price, an additional premium may be required. A new schedule will be issued confirming the replacement vehicle details. Cover will not include any re-financing. Finance Gap Insurance is not transferable. Finance Gap Insurance ends when the insured vehicle is transferred or sold to another person or organisation. You may however cancel your Finance Gap Insurance policy and receive a refund of unused premium less a £20 cancellation fee. Please refer to your policy Terms and Conditions for details.

In the event of bereavement, the remaining benefits of Gap Insurance may be transferred to the policyholders spouse or partner.

Policy Amendments

All policies

If you change your address or vehicle registration number during the period of this insurance, a revised schedule will be issued confirming the changes – without charge. Policy periods or levels of cover may only be amended within your 30 day cancellation period.

Policy Extensions & Renewals

All policies

Insurance purchased from this website are not extendable or renewable. Upon expiry of a Gap Insurance policy, an alternative Gap Insurance known as “Agreed Value Gap Insurance” is available but may not offer the same cover or benefits as the expired policy. Please see Agreed Value Gap Insurance for more information and to assess it’s suitability.

Eligibility

It is your responsibility to confirm your or your vehicle’s eligibility for the required cover. Means to do this are provided in summary on each product page, and in detail within the linked Terms & Conditions pages for each insurance product.

Liability and Responsibility

You will be responsible for complying with the terms and conditions of your policy/policies. Click2protect UK Limited do not advise, or make recommendations as to the suitability of these insurance products and accept no responsibility or liability for any losses or damage incurred as a result of; the policyholders non compliance with policy Terms & conditions, fitness for the purpose, or purchase. Click2protect UK Limited act only as agents in the marketing of insurance products and as such take no responsibility for the making of, administering or settling claims under these policies. Neither Click2protect UK Limited or any officer or employee of Click2protect UK Limited will be liable (whether in negligence or otherwise) to any person for any error, omission, or incompleteness in the information on this web site or lack of availability of the web site.

Prices and taxes

All prices are inclusive of Insurance Premium Tax (IPT) at the appropriate rate prevailing at time of sale. Prices may be subject to fluctuation, but the advertised price on this medium will be binding at time of purchase. Insurance is not currently subject to VAT.

Payment Terms

Full payment is required before cover commences. Full payment will mean cleared funds by Debit or Credit Card via our secure on-line payment gateway. You may also pay by PayPal, cheque or Go Gardless, a secure bank to bank transfer system.