Refund Policy

1. Introduction

At TotalInsuranceBundles, we strive to provide our customers with top-tier insurance products and exceptional service. We understand that circumstances may change, and you may need to cancel your policy. This Refund Policy outlines the terms and conditions under which refunds are processed.

2. Cancellation Period (Cooling-Off)

Most insurance policies come with a "cooling-off" period, typically 14 days from the date you receive your policy documentation or the start date of your policy, whichever is later. If you cancel within this period, you are generally entitled to a full refund of any premiums paid, provided no claims have been made.

3. Refund Eligibility

To be eligible for a refund, the following conditions must usually be met:

• The request for cancellation must be submitted in writing or through our official channels.
• No claims have been filed or are pending under the policy being cancelled.
• The policy must not have reached its expiration date.

4. Non-Refundable Fees

Please note that certain fees may be non-refundable, including:

• Administration fees for setting up or amending the policy.
• Government taxes or levies where applicable and non-recoverable.
• Pro-rata charges for the period the insurance was active (if cancelled after the cooling-off period).

5. Pro-Rata Refunds

If you cancel your policy after the cooling-off period, any refund will typically be calculated on a pro-rata basis. This means you will be charged for the time you were covered, and the remaining portion of the premium will be returned to you, minus any applicable cancellation fees.

6. Processing Your Refund

Once your cancellation request is approved, refunds are processed back to the original payment method used during purchase. Please allow 7 to 10 business days for the funds to appear in your account, depending on your financial institution.

7. Contact Us

If you have any questions regarding our Refund Policy or wish to initiate a cancellation, please contact our support team at info@totalinsurancebundles.online or visit our Contact Us page.