Fees and charges
We want to make sure you’re clear about what we charge you for and when.
You can change your policy by calling 0333 009 6702^.
Here is a list of our charges:
| Type of change | Fee |
|---|---|
| Missed appointment fee: failures to attend an appointment to install, repair, inspect or replace a smartbox or cancelling the appointment with less than 24 hours notice. | £45 |
| Removal of smartbox at your request (e.g. if your policy is cancelled or you change your vehicle) | £90 |
| Duplicate documents | £15 |
| Making a change to your policy (mid-term adjustments, apart from a change of vehicle, or removal of optional covers) | £15 payable in addition to any premium adjustment generated when the change is processed |
| Change of vehicle | £90 in Year 1, £39 any subsequent year Payable in addition to any premium adjustment generated when the change is processed and in addition to the £15 mid-term adjustment fee. The £90 fee is waived if the vehicle being replaced has not yet been fitted with a smartbox. |
| Mid-term removal of legal expenses cover (in association with Co-op Legal Services Limited) | £15 administration fee. There is no refund of the premium paid for the optional cover(s) if removed after the 14-day cooling-off period. |
| Rejected direct debit payment | If you are paying by direct debit, we reserve the right to apply a fee of £27.50 for any unsuccessful collection of a monthly instalment |
Cancellation fees
The fees shown below apply in addition to a pro-rata charge for time on cover.
| Cancellation of the policy within the 14 day cooling-off period, either at customer request or cancelled by us: | |
|---|---|
| Administration fee if smartbox not fitted | £15 |
| Administration fee if smartbox fitted | £120 |
| If a total loss claim has been reported | Full premium |
| Cancellation of the policy after the 14 day cooling-off period, either at customer request or cancelled by us: | |
|---|---|
| Cancellation fee if smartbox not fitted | £35 |
| Cancellation fee if smartbox fitted | £120 |
| If a total loss claim has been reported | Full premium |
If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
Additional payments or refunds
Where the annual premium is paid by card we reserve the right to automatically take additional payments from, or make refunds to, your debit or credit card in respect of any additional or return premiums which may become due under the terms of your policy. Your credit card details will be held for the duration of the policy on our records for that reason and will be held securely in accordance with the payments card industry data security standards. You will be notified in writing 14 days prior to any request for additional payment or refund.