How we process refunds

You can claim your refund - unless you've made a claim

Refunds are available following your car insurance being cancelled - but the amount can vary depending on when you cancel, how you've paid and whether there's a claim on your policy.

Cancellations following a claim
If there's been a claim or accident on your policy before you cancel, you'll need to pay the full premium for the year - there are no refunds at any time for cancellation after a claim.

Cancellations within 14 days
If you change your mind shortly after buying, you have two options to cancel your car insurance within 14 days of the start date:
You can cancel the policy back to the start date. This is your statutory right to cancel. We'll return your payment in full, except for any non-refundable credit card fees. In effect, this means that your car was not covered by us.
Alternatively, we can cover you for up to 14 days. If you cancel during this time, we'll return your payment for cover after the cancellation date, except for any non-refundable credit card fees. It's what's known as a pro-rata refund, and takes into account the time you've been covered by us.

Cancellations after 14 days
You can cancel your car insurance after 14 days from the start date, but you will need to pay a £52.50 cancellation charge on top of the time you've been covered by us. We'll return payment for cover after the cancellation date (a pro-rata refund), minus the cancellation charge and any non-refundable credit card fees.

We'll pay any refund back to the card or bank account you used when you took out your insurance, within 14 days of cancellation.

When your car insurance is cancelled, you'll need to declare that you'll destroy all copies of the Certificate of Motor Insurance relating to your policy (whether held in paper, electronic, digital or any other format) within seven days, in accordance with the Road Traffic Act 1988.


Please note: From 2011, continuous car insurance is a legal requirement.
Find out about Continuous Insurance Enforcement

Please remember to keep all your details up to date because your cover could be affected if anything isn't correct.

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Swiftcover and swiftcover.com are both trading names of AXA Insurance UK plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority