You can request to cancel your CoverForYou travel insurance policy at any time through your Customer Zone.
Whether you're entitled to a refund, and how much you'll receive, depends on:
Your policy type.
When you purchased your insurance.
When your policy started.
How much of your insurance period remains.
Whether you've already travelled.
Whether you've made or intend to make a claim.
Cancelling your insurance policy and receiving a refund are two separate things. You can request cancellation even if you have made a claim, but this may affect your refund entitlement.
You can request cancellation through your CoverForYou Customer Zone.
Visit the CoverForYou Customer Zone.
Sign in using your registered email address.
Open the policy you want to cancel.
Select Edit Your Policy.
Select Cancel Policy.
Confirm whether you have made, or intend to make, a claim.
Follow the remaining instructions to submit your cancellation request.
If you're unable to cancel online, contact our Customer Services Team.
Important: Submitting a cancellation request does not automatically mean you're entitled to a refund. We will assess any refund under the cancellation terms applicable to your policy.
Yes. You can normally receive a full refund if you cancel within the applicable 14-day cooling-off period, provided:
You have not travelled.
You have not made a claim.
You do not intend to make a claim.
The cooling-off period is calculated according to your policy terms. Depending on your policy type, this may refer to the purchase date, renewal date or receipt of policy documents.
Different refund rules apply after the cooling-off period.
The amount of refund you may receive depends on when you cancel your policy and whether you have already travelled.
Within the applicable 14-day cooling-off period : 100%, if eligible
After the cooling-off period, provided you have not travelled : 50% of the premium, if eligible
After you have started travelling : Normally no refund under the current cancellation conditions
After your policy start date, but you haven't travelled
If you contact us within 7 days of your policy start date and can provide evidence that you haven't travelled, you may receive a 100% refund within 14 days of purchase, or a 50% refund thereafter, if eligible. We may also be able to change your policy dates instead.
To qualify for a refund, you must not have travelled, made a claim or intend to make a claim.
Please note: Your policy start date and the date you begin travelling are not necessarily the same. Refund eligibility will be assessed against your applicable policy wording and circumstances.
You may be entitled to a full or partial refund depending on when you cancel and how you purchased your insurance.
You can normally receive a full refund if:
You're within the applicable cooling-off period following purchase or renewal.
You have not travelled.
You have not made a claim.
You do not intend to make a claim.
You may receive a partial refund based on the number of complete months remaining on your policy.
The refund rate depends on how you purchased your insurance.
CoverForYou direct website : 6% of the premium for each full month remaining
Annual Multi-Trip renewal : 6% of the premium for each full month remaining
Comparison website : 5% of the premium for each full month remaining
To qualify for a refund:
You must not be on a trip when your policy is cancelled.
You must not have made a claim.
You must not intend to make a claim.
You purchased an Annual Multi-Trip policy directly from CoverForYou for £100.
You request cancellation after the cooling-off period, with six complete months remaining.
Your indicative refund would be:
6 months × 6% = 36%
Estimated refund: £36
This example assumes you meet the cancellation requirements. Your actual refund will be confirmed during the cancellation process.
When you purchase insurance through a comparison website, part of the premium covers the comparison website's fee.
Under our published cancellation rules, this fee is non-refundable after the 14-day cooling-off period.
This is why the refund percentage differs between direct purchases and comparison website purchases.
If you've purchased additional sports or activity cover by the day or week, any period of that cover which has already passed will be excluded from the refund calculation.
For example, if you purchased additional activity cover for a specific week and those dates have already passed, that portion of the premium will not be refunded.
Yes. You can request cancellation even if you've already made a claim or intend to make one.
However, your refund entitlement depends on your policy type:
Single Trip: A previous or intended claim will normally prevent a refund under the applicable cancellation conditions.
Annual Multi-Trip: Refund eligibility requires that you have not made or intend to make a claim.
Our online cancellation process asks you to confirm your claims status.
If you have an outstanding or previous claim, contact Customer Services before cancelling so we can explain your options.
We aim to process cancellation requests within 2 working days of receipt.
Once your refund has been processed, it will normally reach your bank account within 3–5 working days.
In some circumstances, bank processing may take longer.
If your refund has not arrived 10 working days after it was processed, contact us so we can investigate.
For more information, see:
How Long Does a Policy Cancellation Refund Take?
If you're cancelling because of illness, injury or another unexpected event, check whether the reason is covered under your policy's cancellation benefits before requesting to cancel your insurance.
Cancelling your insurance policy is different from making a claim for a cancelled holiday.
If your holiday cancellation is due to an insured event, you may be entitled to claim for eligible non-refundable travel costs instead.
We recommend checking whether you need to make a claim before cancelling your insurance policy, so you don't inadvertently affect your cover.
How Do I Make a Travel Insurance Claim?
Call Cedar Tree on
0203 137 7922 (UK)
+44 203 137 7922 (from abroad)
E-Mail
[email protected]
Our team are available Monday - Friday, excluding bank holidays, from 9am to 5pm.
If you're unsure what refund applies to your policy, our team can review your policy details and explain your options.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
