Frequently Asked Questions

We will charge you a fee of £30 for cancellation of your policy, unless this is because your pet has died. If you cancel and you have made a claim on the policy, or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

You can cancel your policy at any time by calling us on 0330 102 6839.

If, however, you cancel and you have made a claim on the policy or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

If you cancel within 14 days of the start date of your first period of insurance, then we will refund any premium paid providing no claims have been made on the policy.

If you cancel at any other time and no claims have been made against you or your pet, we will refund your premium less a pro-rata premium charge for your time on cover.

If you cancel at any time and you have made a claim on the policy or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

You can cancel your policy at any time by calling us on 0330 102 6839.

We would only cancel your policy for a valid reason. Examples of where we may cancel your policy would be:

• If you pay your premium in instalments and an instalment remains unpaid 15 days after the due date. Before we cancel your policy, we will write to you in order to give you the opportunity to pay any premium due to us.
• If it is determined during the period of your pet’s policy, such as when you make a claim, that your pet’s details and medical history has been knowingly mis-stated at policy sign up.

If your policy is cancelled or comes to an end for any reason, all cover for your pet will stop on the date the policy is cancelled and no further claims will be paid. Scratch & Patch will, provided you have not made a claim, return any premium you have paid for any period of insurance remaining. In this event, the period of insurance will equate to the period for which premium instalments have been paid by you.