Cancellation Policy

For Customers Located in Canada


A. You may cancel this policy at any time, including when a loss of the Vehicle occurs or when You sell Your Vehicle without transfer of this policy. To cancel, You must submit a written request to the Issuing Dealer. If You cancel this policy, it will not be reinstated. An odometer or notarized statement indicating the odometer reading on the date of the request will be required. This policy can only be cancelled by the original policyholder.

B. We may cancel this policy for non-payment of premium, or for misrepresentation in the submission of a claim. We may cancel this policy if Your Vehicle is found to be modified in a manner not recommended by the manufacturer. If We cancel because You fail to pay premium when due, We will give you at least ten (10) days advance written notice. If We cancel for any other reason, We will give You at least thirty (30) days advance written notice or the amount of notice required by law. Proof of mailing or delivering to You at the address shown in the declarations page, will be sufficient proof of notice.

C. If Your Vehicle and this policy have been financed, the lienholder shown on the declarations page may cancel this policy for non-payment, or if Your Vehicle is declared a total loss or is repossessed.

D. If this policy is cancelled within the first sixty (60) days and no claims have been filed, We will refund the entire premium amount paid. If this policy is cancelled within the first sixty (60) days and claims have been paid by us, or after the first sixty (60) days, We will refund an amount of the premium paid according to the pro-rata method reflecting the greater of the days in force or the KILOMETRES driven based on the term/kilometers selected and the date Coverage begins, less a $134 (CAD) administrative fee. In the event of cancellation, the lienholder, if any, will be named on a cancellation refund check as their interest may appear.

For customers located in the USA


A. You may cancel this Contract at any time, including when a loss of the Vehicle occurs or when You sell Your Vehicle without transfer of this Contract. To cancel, You must submit a written request to the Issuing Dealer. If You cancel this Contract, it will not be reinstated. An odometer or notarized statement indicating the odometer reading on the date of the request will be required. This Contract can only be cancelled by the original Contract Holder.

B. We may cancel this Contract for non-payment of the Contract charge, or for misrepresentation in the submission of a claim. We may cancel this Contract if Your Vehicle is found to be modified in a manner not recommended by the manufacturer.

C. If Your Vehicle and this Contract have been financed, the lienholder shown on the Registration Page may cancel this Contract for non-payment, or if Your Vehicle is declared a total loss or is repossessed.

D. If this Contract is cancelled within the first sixty (60) days and no claims have been filed, We will refund the entire Contract charge paid. If this Contract is cancelled after the first sixty (60) days . We will refund an amount of the Contract charge according to the pro-rata method reflecting the greater of the days in force or the miles driven based on the term/miles selected and the date Coverage begins, less a hundred dollar ($100.00) administrative fee. In the event of cancellation, the lienholder, if any, will be named on a cancellation refund check as their interest may appear.

E. Any amount(s) paid out for approved claims or benefits will be deducted from the refund amount.

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