Refund Policy

At Smart Insurance Hub, we are committed to fair and transparent pricing. This Refund Policy explains your rights when cancelling an insurance policy and how we process premium refunds.

1. Your Right to Cancel

You may cancel your insurance policy at any time by contacting Smart Insurance Hub. You can request a cancellation by:

• Calling us 24/7 at +1 888 919 5618
• Emailing us at info@smartinsurancehub.online
• Logging into your online account and submitting a cancellation request
• Visiting our office at 175 Jericho Turnpike #204 Syosset New York

2. Cooling-Off Period

If you cancel your insurance policy within 10 business days of the policy start date and no claims have been made, you are entitled to a full refund of any premium paid. This is your statutory cooling-off period under Canadian insurance regulations.

3. Pro-Rata Refunds After the Cooling-Off Period

If you cancel your policy after the 10-day cooling-off period, you will receive a pro-rata refund for the unused portion of your premium, calculated from the date of cancellation to the end of your policy term, subject to the following conditions:

• No claims have been made or are pending on the policy
• The policy has not been flagged for misrepresentation or fraud
• A short-rate cancellation fee may apply as outlined in your policy documents

4. Non-Refundable Situations

Refunds will not be issued in the following circumstances:

• A claim has already been paid out under the policy
• The policy was cancelled due to non-payment of premium
• The policy was cancelled due to misrepresentation or fraud
• Government fees, taxes, or third-party charges included in your premium are non-refundable

5. How Refunds Are Processed

All approved refunds are returned to your original payment method:

• Credit or debit card payments — refunded within 5–7 business days
• Bank transfer payments — refunded within 7–10 business days
• Cheque payments — a refund cheque will be mailed within 10–14 business days

You will receive an email confirmation once your refund has been processed.

6. Bundle Package Refunds

If you cancel one policy within a bundle package, the remaining policies will continue at their standard individual rates. Any bundle discount applied will be recalculated, and the difference may be deducted from your refund amount.

7. Annual vs. Monthly Premium Refunds

If you paid your premium annually and cancel mid-term, you will receive a pro-rata refund for the remaining months. If you pay monthly, your coverage will end at the close of the current billing period and no further charges will be made.

8. How to Request a Refund

To request a refund, please contact our team with the following information:

• Your full name and policy number
• The reason for cancellation
• Your preferred refund method

Our team will review your request and respond within 2 business days.

9. Disputes

If you disagree with a refund decision, you may escalate your complaint to our Complaints Officer at info@smartinsurancehub.online. If unresolved, you may contact the General Insurance OmbudService (GIO) or your provincial insurance regulator.

10. Contact Us

For any questions about our Refund Policy, please contact Smart Insurance Hub:

• Email: info@smartinsurancehub.online
• Phone: +1 888 919 5618 — Available 24/7
• Address: 175 Jericho Turnpike #204 Syosset New York