Cancellation & Refund Policy
Last Updated: October 2026. Disclosures on our 100% free consumer matching service, statutory insurer premium cancellations, and broker lead credits.
InsurancePriceHub.com is a 100% free consumer referral matchmaking and educational platform. We do not charge consumers fees, service charges, or subscriptions of any kind. Consumers are never asked for credit cards or billing details on our website, so no consumer refunds or payment reversals exist on our platform.
1. Free Consumer Referral Service (Zero Consumer Fees)
Consumers, drivers, homeowners, and commercial business operators can browse insurance information, read educational guides, and submit quote comparison requests at absolutely zero financial cost. Because InsurancePriceHub.com never collects payments, deposits, card numbers, or banking credentials from consumers seeking insurance quotes:
- There are no fees, recurring subscriptions, or hidden charges levied against consumers.
- Consumers cannot be billed by InsurancePriceHub.com under any circumstances.
- No consumer cancellation fees or refund procedures apply to quote matchmaking requests on this website.
2. Insurance Policy Cancellations & Insurer Premium Refunds
InsurancePriceHub.com is an independent referral matchmaking platform and is not an insurance company, licensed insurance brokerage, or underwriting entity. We do not issue insurance policies, collect insurance premiums, or hold client trust accounts.
If you choose to purchase an insurance policy through a matched licensed independent broker:
- Contractual Relationship: Your insurance policy is a legal contract directly between you (the policyholder) and the underwriting insurance company, placed through your licensed provincial broker.
- Statutory Conditions & Cooling-Off Periods: Policy cancellations, statutory cooling-off rights (e.g., 10-day or 15-day review periods), and premium refund calculations are governed entirely by provincial insurance statutes (such as the Ontario Insurance Act and standard OAP 1, or the Alberta Insurance Act and SPF 1) and the terms of your specific insurance carrier.
- Pro-Rata vs. Short-Rate Refunds: Depending on whether a cancellation is initiated by the policyholder or the insurer, premiums may be refunded on a pro-rata or short-rate cancellation table as determined by the insurance company.
- How to Cancel a Bound Policy: To cancel an active policy or request a premium refund, you must contact your assigned licensed insurance broker or the insurance carrier directly. InsurancePriceHub.com cannot alter, cancel, or refund active insurance policies.
3. Licensed Broker Partner Lead Dispute & Credit Policy (B2B)
For licensed insurance brokerages and broker partners participating in our referral network who acquire referral leads or maintain account balances:
InsurancePriceHub.com is dedicated to providing high-intent, genuine consumer inquiries. Broker partners may submit a lead dispute for full account credit under the following verifiable conditions within seven (7) calendar days of lead distribution:
- Invalid Contact Details: The phone number is disconnected, non-working, or wrong number, AND the email address bounces.
- Out of Jurisdiction: The consumer resides outside the contracted provincial licensing territory of the broker partner (e.g., an inquiry originating outside Ontario for an Ontario-only broker).
- Duplicate Submission: An identical inquiry submitted by the same consumer within the preceding thirty (30) calendar days.
- Spam / Bot / Fictitious Submission: Inquiries generated through automated bot attacks or containing demonstrably fictitious test data.
Dispute Process & Resolution: All lead dispute requests must be submitted through the Broker Partner Portal or via our compliance contact form within seven (7) calendar days of lead receipt. Verified disputes are credited at 100% value to the broker’s platform credit balance within three (3) business days. Platform software access fees or processed leads meeting qualification standards are non-refundable.
4. Inquiries & Customer Support
If you have any questions regarding our cancellation policies, free consumer terms, or broker partner credit procedures, please submit an inquiry via our Online Contact Form. Our team responds to all formal inquiries within 1 to 2 business days.