33. Your cancellation rights
If you are a private (non-commercial) customer, you have the right to cancel a new policy within 14 days of when you purchase your policy subject to payment of the cancellation administration fee regardless of time on cover. Please note that the 14 day cooling off period does not provide for a full refund without any fees being payable. To process a refund, payment of the cancellation fee is required before the cancellation can be processed. If the cancellation fee is paid outside of the 14 day period no refund of premiums will be given. Please note that the 14 day period applies to the purchase date and not the policy start date.
If you apply for cancellation after a claim has been made against your policy, regardless of whether your policy is still within the 14 day cooling off period and regardless of whether the claim was successful, please note that no refund of premiums will be issued.
If your policy has been renewed the 14 day cooling off period will not apply and no refund of premiums will be given as per your policy wording post cancellation. We will not pay a pro-rata refund of premium following any cancellation outside of the 14 day cooling off period. Verbal requests for cancellation are not accepted. To cancel your policy please go to
https://www.nova-direct.com/policy-cancellation/.
Please note that if it is found that you misrepresented your risk at point of quote and that the data you provided upon taking out your insurance policy with us was known to be untrue, we reserve the right to cancel off your policy with immediate effect. As per the Consumer Insurance (Disclosure and Misrepresentations) Act 2012 such forms of deliberate misrepresentation will not result in a returned premium being given to you following cancellation of your policy by us.
At Nova Direct we embrace a multiculturally diverse work force. All our staff work hard to provide the best customer service around the clock to our customers. Our staff have a right to be treated with dignity and respect. Please note that in instances where our staff are threatened, sworn at or verbally abused we reserve the right to cancel off your insurance policy with immediate effect and not effect a refund of premiums paid.
34. Renewals
You must immediately notify us of any changes to the information that has been provided to your insurers. Failure to provide accurate and up to date information may invalidate your insurance and may mean that part or all of any claim may not be settled. You agree to us automatically renewing your insurance policy annually under your continuous payment authority. We will write to you before the renewal date to explain how we will handle your renewal and will include details of the renewal premiums and any charges which may be applied to your policy.
We reserve the right not to process an automatic renewal but we will inform you of this in good time. Please note that we will charge your card up to 7 days prior to the expiry of your existing policy for the premiums due. This is to aid us in collecting the premiums in a timely fashion. Should your card decline, and if you have not followed the cancellation process, we will issue you with a letter of demand for the premiums outstanding.
Should you decide not to renew your insurance policy with us, you will still be liable for a £4.99 cancellation administration fee, which will be used to take your policy out of the renewal process. You can cancel your renewal at
https://www.nova-direct.com/policy-cancellation/.
still very underhand imo
