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You must be sure to follow correct procedure for cancellation (see below).The insurer or broker must refund any monies paid by you within 30 days, although they have the right to deduct a reasonable admin charge, and a sum proportionate to the number of days cover you have had.If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.Financial products including banking, credit, insurance, personal pensions and investments, sold by distance means are subject to a 14 day cooling off period (this is 30 days in the case of life insurance and personal pensions).Contracts for financial products sold by distance means are subject to different rules, see below for more on this.Something else worth mentioning is that the supplier must have sent you written confirmation of your order no later than the time of delivery of the product or performance of the service.But unless the goods are faulty, this is not an automatic right, and you must refer to the individual shop or supplier’s returns policy.

This 14 day cooling off period also covers situations where you bought a financial product from an intermediary or a broker, even if it was discussed and signed face to face.If they did not, then your 7 day cooling off period will not begin until they do, and may be extended by a further 3 months.If you have commissioned a service under a distance selling contract and the work begins before the end of the 7 days cancellation period, then you must give up your right to cancel, but this must be clearly communicated and with your express agreement.If you have any related credit agreements, these will also be cancelled.These are effectively insurance policies and have a 45 day cancellation period with the right to a full refund if you have not made a claim in this time.

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