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Either party may terminate any policy before the expiration date.
Once purchased, the minimum earned premium for any policy is $30.
Return premium for cancellation of all policies will be calculated by determining the published daily rate as authorized by the Department of Insurance multiplied by the number of days the insurance was in effect.
The premium for 6 month and annual policies is fully earned 20 days after the effective date of the policy. No refund will be given on 6 month or annual policies after they have been in force for 20 days or longer.
In the event of a request to cancel a policy for which a pending claim has been reported or a claim has been paid, the policy premium is fully earned, and no part of it will be returned.
Request for cancellation of any policy must be made in writing using email, fax, or mail.