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Q: Can I make changes to my cover once I have taken it out?

By law you normally have a minimum 14 day cooling off period for every insurance policy you buy. Some insurers offer a longer cooling off period, so if you are unsure it is important to check the terms and conditions of your policy.

The cooling off period starts either when your policy begins or when you receive your policy documents, whichever is later.

During the cooling off period you can cancel your policy or make amendments. During this period your insurer may charge you for the days when the policy was in force or they may charge you an administration fee.

 

What if I want to change my policy after the cooling off period?

It is unlikely that you will be able to change your policy after the cooling off period, although you may be able to cancel.

If you want to change your policy after the cooling off period then you may need to pay an administration fee. You may also need to pay for the days when you were covered by the policy. Also, if you made a claim on your health insurance policy it is likely that you will be charged for your full premium.

Can I change my policy at renewal?

If you wish to change your policy, it may be better for you to wait until your renewal. At renewal your Chase Templeton adviser will check what the market has to offer and whether your policy continues to meets your needs. Your renewal also provides the opportunity to add or remove benefits from your policy if you wish to do so.

How do I cancel my policy?

If you wish to cancel you policy you must inform your insurer. By cancelling your direct debit you could still owe premiums to your insurer.

Need some more advice about amending your policy?

If you need any more advice about changing or cancelling your policy our friendly advisers will be happy to help. Contact us today.