You have the right to cancel the policy within 14 days of the inception date or the date you receive the policy documents without giving any reason. To do this, you must tell us and return the certificate of motor Insurance and insurance disc. If you cancel this policy during the “cooling-off period”, you will have to pay a premium for the time you had insurance cover, provided no claim has occurred since inception. In the event of an accident, incident or claim being reported to us within the “cooling-off period” (or afterwards) we reserve the right to retain the premium in full or to ask for the premium in full. Should an incident or claim be reported to us after the “cooling-off period” we reserve the right to reclaim any premium we had already returned to you.