You can cancel your membership within 15 days of the start of your policy, or 15 days of renewal, and receive a full refund, provided you notify us in writing and no claims for benefit have been made against the policy. Thereafter, you can cancel your policy at anytime in writing and cover will cease at the end of the period for which premium has been paid. If premiums are paid annually then we will refund premiums on a pro-rata basis for whole months only.