What happens if I have to make changes to my policy or cancel it?

For policy adjustments, depending on the adjustment and its influence on the policy rating there may be an additional premium due to the insurer. We also charge an adjustment fee - please refer to your policy terms.

Cancellation fees do apply to our policies, please see the below information:

Single Trip Policies of up to and including 30 days duration
Policies up to and including 30 days duration do not have statutory cancellation rights but you can request cancellation through ReduceMyExcess’ website www.reducemyexcess.co.uk/contact-us, or by writing to our registered address. You will receive a return of premium less our £5.00 cancellation fee if you cancel before your trip commences.  If your single trip policy has already started then no refund of premium is due.

Single Trip Policies of over 30 days duration and Annual Policies
You are entitled to cancel this policy at any time by notifying Us through ReduceMyExcess’ website www.reducemyexcess.co.uk/contact-us

If you do so either before or within fourteen (14) days of the start of your Period of Insurance, you will receive a return of premium less our £5.00 cancellation fee if you cancel before your trip commences and the cover starts. If you have had a trip within this 14 day period, we will calculate a return of premium at a proportional daily rate depending on how long the policy has been in force, less any claim amount paid.  

If you cancel after more than 14 days, we charge a £10.00 cancellation fee.  We will then calculate a return of premium to you at a proportional daily rate depending on how long the policy has been in force, less any claim amount paid.

 Please note: Administration fees (where applicable) are not refundable.