Chapter 4

Policy timelines

Grace, free look, contestability and refunds

An explorable chapter on the time limits in insurance policies: grace periods, free look, the contestable and suicide periods, reinstatement, and pro rata cancellation refunds.

1. 4.1
   The grace periodLate, but still covered
2. 4.2
   Free lookReturn it for a full refund
3. 4.3
   Contestability, suicide and reinstatementTwo years to question; three to come back
4. 4.4
   Cancellation refundsPro rata, or short-rate

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