ADH 15.04a 22 Automatic Renewals By purchasing this policy you have provided consent to set up a continuous payment authority. This means we are authorised to automatically renew your policy and apply for renewal payments from your account every year , even if your card has expired, until you instruct us to stop . We will contact you in writing at least 21 days before the end of your period of insurance. If you still meet our eligibility criteria, we will seek to automatically renew your policy by using the latest details you provided to us. You will also be provided with a renewal invitation which you should check via your AXA Account to ensure all your details are still correct and relevant. If any changes are required or you do not wish to renew your policy you should let us know via your AXA Account before your renewal date. Please note that if you pay annually by Switch or Maestro we will not be able to automatically renew your policy. If you no longer meet our eligibility criteria, we will not be able to renew your policy . In all cases we will contact you prior to your renewal date to advise you what to do next. How to opt-out Email us at [email protected] or call us on 0844 874 0211* Cancelling your cover Statutory cancellation rights You may cancel this policy within 14 days of receipt of the policy documents or the start date whichever is later (the cancellation period) whether for new business or at the renewal date by contacting us on the following telephone number: 0844 874 0211* We will refund the full premium to you (subject to an administration fee of £15 which will be imposed by AXA Direct) provided no claims have occurred. If any claims have been made you will not receive a refund of premium. Cancellation outside the statutory period You may cancel this policy at any time by contacting us on the following telephone number: 0844 874 0211* As long as you have not received payment for or are not in the process of making a claim and have not suffered a loss for which you are intending to make a claim during the period of insurance we will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you (subject to a cancellation fee of £25). If you are paying by instalments your instalments will end but if you have received payment for or are in the process of making a claim you will either have to continue with the instalments, until the policy renewal date, or we may, at our discretion, take the outstanding instalments you still owe from any claim payment we make. If you pay annually and you have received payment for or are in the process of making a claim you will not receive any refund of premium. * Calls are recorded and monitored. Call costs may vary depending on your service provider.