‘Cooling off period’
You may cancel this policy within 14 days of the date the policy starts or the date you received the policy documentation, whichever is later. If you pay your premium by instalments, cancellation of this policy will also cancel your credit agreement.
Where this happens, you will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover less any agreed charges detailed in our terms and conditions document, unless you have made a claim or one has been made against you.
We will also cancel any additional products you may have purchased as part of your motor policy, such as breakdown cover and legal protection.
Cancellation after the ‘Cooling off period’
Your policy is a contract for 12 months. If your insurance is cancelled for any reason, you will be charged a cancellation administration fee in addition to the charge made by Darwin for the cover you have received.
A proportionate refund of any premium paid, less agreed charges detailed in our terms and conditions document will be allowed providing that:
- You have not claimed in the current period of insurance.
- You have paid the premium in full.
If you cancel this policy and you have made a claim or one has been made against you during the current period of insurance, no refund will be allowed. If the premium is being paid by instalments, the outstanding balance under your credit agreement including any interest charges will become payable by you.
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