What are my cancellation rights?

 (i) Where cancellation rights exist
If you are a consumer buying or renewing a policy which provides cover for you in a private capacity, you have the right to cancel your insurance policy, as well as the Legal Expenses, Breakdown Cover, Windscreen and Personal Accident Cover without giving any reason, during a period of 14 days either from the day of purchase of the contract, or the day on which you receive your policy documentation; whichever is the later. If you exercise this right and the cover has not yet commenced, you will be entitled to a full refund of the premium paid.
If the insurance has commenced and provided that you have not made a claim, or a claim having been made against you, you will be entitled to a refund of the premium paid, subject to a deduction for the time that you have been on cover (calculated as a proportion of the annual premium) along with a £75 deduction for our costs attributed in concluding your policy, administering your contract up until the effective cancellation date and processing the cancellation.
To exercise your right to cancel a policy, please return your Certificate of Motor Insurance along with a signed letter of request for cancellation.
All policy add-ons products that you may have purchased will be cancelled if your main motor policy is cancelled. The premium for these covers are non-refundable. You will be required to return your Certificate of Motor Insurance immediately.
(ii) When cancellation rights do not exist
Standard insurance policies are arranged for a period of 12 months and you are required to pay the full amount stated. If the insurance is cancelled before the expiry date, other than in accordance with (i) above on receipt of your Certificate of Motor Insurance, you will be refunded on a pro rata basis for the period of insurance still remaining, subject to you not having made a claim, or a claim having been made against you during the period of cover less a £75 cancellation fee. We do not refund any initial charges as this was earned for arranging the policy and where the insurer’s premium has been discounted by GoSkippy Car Insurance, you will be advised of this in the cover confirmation letter. If the policy is subsequently cancelled before its normal expiry date, GoSkippy Car Insurance retains the right to deduct the value of the discount from any monies returned to you by the insurer. The cost of add-on products that you purchase will be non-refundable (other than in accordance with (i)).
If there are any unpaid monies when the policy is cancelled, we may withhold documents such as No Claims Discount to which you are entitled, until full payment is made. If you paid the premium by instalments the credit charges made by the premium finance provider will not be refunded.
We will not be able to process any possible refunds due on cancellation until we receive your Certificate of Motor Insurance from you