You have the right to cancel this policy within 14 days of the date you purchased the policy or when you received the policy documents if this is later. This is known as your cooling off period. You do not need to provide a reason for cancellation, and we will provide a full refund of any premium paid less a £15.99 cancellation fee unless you have made a claim or there has been an incident likely to result in a claim. If you wish to cancel the policy after 14 days from the original date you first purchased the policy, we will provide a refund, less a proportionate charge for any cover already provided, unless a claim has been made or there has been an incident likely to result in a claim. This will be based on the number of months remaining until the expiry date, less a £9.99 cancellation fee. Where a claim has occurred or there has been an incident likely to result in a claim no refund of premium will be provided. This applies to new users only, and not renewal users.