Cancellation

Your right to cancel
If You are dissatisfied with the terms and conditions of Your Policy, You have the right to cancel the Policy from its original start date within 14 days from the date You receive Your documents in Your My Swift Space. Cancelling Your Policy in this way will mean that You will not have been covered by Us. We will return any premium paid provided no claims or accidents have occurred and reserve the right to charge a £25.00 administration fee.

If You do not exercise Your right to cancel within the 14 day period and provided no claims or accidents have occurred, We will refund the unused part of Your paid premium according to Our declared scale below:

If You have not paid Us sufficient money for Us to retain premium according to Our declared scale, or if You have not paid the full premium but have had an accident or claim or committed a fraud or made a false declaration, then We reserve the right to recover the money that You owe.

Cancelling Your Policy means You will not be covered from that date and time. The Certificate remains Our property and in accordance with the Road Traffic Acts any copies You hold, irrespective of its format (e.g. printed, saved electronically or digitally stored), must be returned to Us at swiftcover.com, Swift Court, Fudan Way, Stockton-on-Tees, TS17 6EN. If You do not return the Certificate You will be required to complete a statutory declaration that all copies have been returned to Us, lost or destroyed.

Our right to cancel
We may cancel Your Policy by sending seven days’ written notice to You at either the email or the postal address last known to Us and, provided:

• no claims or accidents have occurred in the current Period of insurance;
• We are not cancelling because of a false declaration or fraud;
• all premium instalments are fully paid up to date.

Then We will return the paid premium less the proportionate part corresponding to the Period of insurance the Policy has been in force.

If You have not paid Us sufficient money for Us to retain Our proportionate share of the premium, or if You have not paid the full premium but have had an accident or claim or committed a fraud or made a false declaration, then We reserve the right to recover the money that You owe.

Cancelling Your Policy means You will not be covered from that date and time. The Certificate remains Our property and in accordance with the Road Traffic Acts any copies You hold, irrespective of its format (e.g. printed, saved electronically or digitally stored), must be returned to Us at swiftcover.com, Swift Court, Fudan Way, Stockton-on-Tees, TS17 6EN. If You do not return the Certificate You will be required to complete a statutory declaration that all copies have been returned to Us, lost or destroyed.