We won't charge you admin fees if you want to make changes to your policy, but your premium may go up or down as a result of any changes you make.

If you don't tell us about any changes in your circumstances between the date you buy the policy and the policy start date, or after the policy start date, it could invalidate all or part of your policy, and we might turn down claims or not pay them in full.

If you choose to automatically renew, you can switch to manual renewal at any time online using our help page. You'll still get a renewal invite before the policy end date, but cover will stop if other arrangements aren't made.

Whether you choose the convenience of automatic renewal or choose manual renewal, your renewal price won't be any higher than one given to a new customer with like-for-like details.

Our cancellation and complaints procedures are detailed in the policy.

If you cancel your policy

• Before it's due to start, we'll refund the premium you paid us in full.
• Within 14 days of getting your documents or the start date of your policy (whichever is later), and you have not made a claim or had one made against you, we'll refund the premium you paid us - minus a charge for the number of days we've insured your van for.
• After those 14 days, and if you have not made a claim or had one made against you, we'll refund any premium paid for the remaining term of the policy - minus an admin fee for cancellation of £50.40 (including Insurance Premium Tax where applicable).

We'll calculate your premium using the information you give us. If you give us incorrect or inaccurate information, it could invalidate all or part of your policy, and we might turn down claims or not pay them in full.

English law will apply to this policy, unless you and we agree otherwise.

We may ask for proof of your No Claim Discount (NCD). If we do, it must:

• Have been earned in the UK (including the Channel Islands and the Isle of Man) or the Republic of Ireland
• Be from your previous UK or Irish insurer
• Be written in English
• Clearly show the NCD level in years, rather than a percentage
• Be in your name, as the policyholder, or in the name of the business (if the policyholder is a company)
• Have been earned on either a van, a private car, a motorbike or a company vehicle (where you were the sole user)
• Be less than two years old

• Insurance cover is subject to our standard policy wording.
• Drivers must be at least 21 years old, hold a valid full UK or EU driving licence and must have lived in the UK for at least one year.