Personal liability insurance can be canceled on a monthly basis, with coverage remaining active through the last day of the cancellation month. A 14-day ‘right of withdrawal’ period applies from the date of purchase, during which you can cancel for a full refund, provided no claims have been made. If your policy is scheduled to start more than 14 days in the future, you can cancel any time before the start date for a full refund. Once the ‘right of withdrawal’ period has passed, a minimum of 1 month of coverage is required, meaning you are responsible for the premium for that initial month before the standard monthly cancellation policy takes effect.
How do I cancel my personal liability insurance?
To cancel your personal liability insurance:
Log in to your account.
Navigate to your policy, and select the cancellation option.
If you submit a cancellation request during the month, your coverage remains active until the last day of that month. You will not be billed for any subsequent months once the cancellation is processed.
Can I file a claim after my personal liability insurance is canceled?
Yes, you can file a claim after your policy has been canceled, as long as the incident occurred while the policy was active. However, claims cannot be submitted if your account has an outstanding unpaid balance. To submit a claim in that situation, you must first pay the outstanding balance to restore your account to good standing - no new policy purchase is required to claim for a previously covered period.
When are personal liability insurance premiums billed?
Premiums are charged on the 1st day of each month. The very first premium may be billed on a different date depending on when your policy was initiated.
What happens if I miss a premium payment?
If a payment fails, you have a 15-day grace period to settle the outstanding balance before your coverage ends and your policy is canceled. During this period, you can retry a credit card or PayPal payment directly from the Billing section of your account. SEPA payments do not retry automatically if they fail.
Please note: SEPA transfers take 6 business days to clear.
You can contact our support team for more assistance or additional resources.
Can I reinstate a canceled personal liability insurance policy?
If your policy is canceled due to non-payment, you can request reinstatement by paying all outstanding premiums within 30 days of cancellation. After 30 days, reinstatement is no longer available, and you would need to purchase a new policy after first reaching out to us to settle any unpaid balance from the previous grace period.