Reflection Period
Once you've received your Policy Documentation you have 14 days to decide whether you wish to continue with the full policy. In the event that you change your mind and wish to cancel the policy you will receive apro-rata refund unless you have made a total loss claim.
 

Any refund may be subject to a charge for the period of cover you received plus reasonable administration charges, except where cover has not commenced prior to the end of the 14 day period, in which case you will be entitled to receive a full refund of the premium you have paid.

For any cancellation the policy certificate must be returned and a return premium is only allowable if there are no fault or outstanding claims in the current period of insurance.

Cancelling your Policy after the Reflection Period
You may cancel your policy by giving us seven days' notice in writing and returning your Certificate of Motor Insurance. Provided there have been no claims in the current period of insurance we will refund part of the premium.