Orders are eligible for a refund before the policy start date. Once the policy has commenced there will be no refunds. There is no refund for short-term policies (e.g., rentals, etc.) once payment has been made. For all annual policies, the minimum earned policy premium is non-refundable upon purchase. All refunds will be subject to a refund fee which are fully disclosed during the insurance purchase process and will equal to or greater than the Administration Charge on your policy. This fee is separate from the actual pro-rated premium refund amount. All taxes, stamping fees, and premium will be refunded in full. The refund will come directly from the insurance carrier, not from Insurious.
How do I request a refund?
All refund requests need to be in writing and can be sent to firstname.lastname@example.org. If you call-in and ask for a refund, you will be directed to email your request to email@example.com or to the individual representative, as any cancellation request must be received in writing from the Named Insured on the policy. Once we receive your request, we will notify the applicable insurance carrier partner to process the refund. Each of your certificate holders will also be notified by the insurance carrier partner, that the policy has been cancelled and that coverage no longer exists under the policy.
When will I get my refund?
Our insurance carrier partners will typically issue all basic refunds within 5 business days via credit card, emailed electronic check, or a mailed check. However, your credit card company or bank account may take additional time to post the credit to your account. Please allow 3-14 business days for the refund to post to your account.
Refunds within 6 months of the policy payment date will be refunded as follows: If the refund is via credit card, it will only be returned to the card used for purchase. If the refund is via electronic check, it can only be emailed to the email address originally used to purchase the policy. If the refund is via mailed check, it can only be sent to the mailing address on the policy document. All checks can only be issued to the policyholder name, no exceptions. If your account or card has been closed, we must still attempt to refund to the original card. A check will be issued if payment was check or cash, made over 6 months ago, or if the refund is rejected by the bank.
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