Refund Policy

1. Overview

At Digital Guardian Insurance, we are committed to ensuring customer satisfaction with our insurance products and services. This Refund Policy outlines the terms and conditions under which refunds are issued for premium payments.

2. Eligibility for Refunds

A refund may be issued in the following circumstances:

• Cooling-Off Period: You have the right to cancel your policy within 14 days of purchase for a full refund.
• Policy Cancellation: Cancelled policies may be eligible for a pro-rata refund of unused premiums based on the cancellation date.
• Billing Errors: If you have been overcharged due to our administrative error, we will issue a full refund of the excess amount.
• Premium Adjustments: When policy adjustments result in a lower premium, the difference will be refunded or credited to your account.

3. Refund Processing Timeline

Approved refunds are processed within 10-15 business days. The refund will be returned to the original payment method used at the time of purchase. Please allow an additional 3-5 business days for your financial institution to process the transfer.

4. Non-Refundable Items

The following are not eligible for refund:

• Administrative fees or service charges already incurred.
• Claims that have been paid out under the policy.
• Premiums for policies cancelled due to policy holder violation of terms and conditions.

5. How to Request a Refund

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

• Your policy number
• Reason for refund request
• Preferred contact method
• Original payment method details

You can reach us via email, phone, or through your online account portal. See our Contact Us page for details.

6. Exceptions and Special Cases

Certain circumstances may affect refund eligibility, including but not limited to active claims, pending policy changes, or non-payment of premiums. Each case will be reviewed individually by our claims department.

7. Contact Us

If you have questions regarding this Refund Policy, please contact us at contact us or visit our customer support page.