Cancellations questions

We know plans can change, so if you decide to cancel your Picnic policy, we’ll keep it simple. You can cancel online at any time by logging into Your Account, going to Your Policy and choosing Cancel my insurance, or you can chat to us by clicking the chat widget below. 

Just so you know, cancelling your direct debit doesn’t cancel your policy, and you might need to make extra payments - you can find full details about these payments online.

You can find details of our fees here.

You don’t need to give us any notice and can cancel your Picnic policy at any time. The quickest way is online - just log in to Your Account, go to Your Policy and choose Cancel my insurance, then save your changes. Some non‑refundable arrangement and cancellation payments may apply, and you can find full details online.

If you cancel your Picnic policy, we’ll give you a refund based on how long you’ve been covered, as long as you haven’t made a claim or been involved in an incident that could lead to one. 

If you cancel within the first 14 days, we may keep the arrangement fee but refund any optional extras if you haven’t claimed.

After 14 days, a cancellation fee will be applicable and optional extras won’t be refunded. You can cancel anytime online in Your Account, by choosing Cancel my insurance.

If your Picnic renewal payment has been taken but your policy hasn’t reached its renewal date yet, you won’t need to make any payments and we can give you a full refund. 

If you cancel after the renewal date but within the first 14 days, you’ll pay for the time we’ve covered you for. 

If you cancel 14 days or more after renewal, you’ll still pay for the cover you’ve had, plus any payments set out in your policy, like the arrangement payment and cancellation payment. You can find full details about these payments online.