Refund Policy

Thank you for choosing Insurance Deals Hub. This Refund Policy outlines the terms and conditions under which refunds may be provided for products or services purchased through our website https://insurancedealshub.online/.

1. General Policy

At Insurance Deals Hub, we strive to deliver reliable insurance solutions and excellent customer service.
Since insurance products are provided by third‑party insurers and not sold directly by us, refunds are governed by the terms and conditions of the respective insurance provider. We facilitate and support your purchase but do not control insurer refund policies.

2. Eligibility for Refunds

Refund requests may be considered only if:

  • You cancel an insurance policy within the free‑look or cooling‑off period allowed by the insurer. This period varies by policy type and provider.
  • The insurer’s terms explicitly permit a refund or policy cancellation credit.
  • You request cancellation before the policy’s effective start date (as permitted by the insurer).

Note: Any refund amount, if eligible, is subject to insurer approval and any applicable processing or administrative fees.

3. Non‑Refundable Situations

Refunds will not be issued (by us or the insurer) in the following cases:

  • After the policy has passed its cooling‑off period and coverage is active.
  • If a claim has already been made or processed under the policy.
  • When the insurer’s terms state that premium is non‑refundable.
  • For fees charged by insurers or third‑party service partners.

4. How to Request a Refund

To request a refund or policy cancellation:

  1. Contact our support team at:
    Email: [Insert Email]
    Phone: [Insert Phone Number]
  2. Provide your policy details, order reference, purchase date, and reason for cancellation.
  3. We will submit your request to the insurer and keep you informed of progress.

Please allow up to 14 business days for processing your cancellation request.

5. Refund Amounts

If approved by the insurer:

  • The refund may be the full premium or a pro‑rated amount depending on policy terms, time elapsed, and insurer rules.
  • Any fees or charges (e.g., service fees, processing charges) may be deducted as per the insurer’s refund policy.

6. Payment Method

Refunds will be issued using the same payment method used for the original purchase, unless otherwise required by law or agreed upon in writing.

7. Changes to This Policy

We may update this Refund Policy at any time.
The effective date at the top will reflect the most recent version. Continued use of our services after changes indicates acceptance of the updated policy.