Refunds are issued if there is unearned premium when either the insured requests cancellation or if the insurance company initiates a cancellation.

The unearned portion of the premium must be mailed or electronically transferred within 15 days of the effective date of the policy cancellation.

All premium refunds will be sent directly to the insured. Policy cancellations in the first 60 days will receive a pro-rate refund of the Subscriber's fee.