May last year i purchased a tv from comet and paid for their 5 year product cover.
We've sold the tv after purhasing a deal from here and decided to go over the insurance certificates conditions. The cancellation section states:
Provided you have not made a claim, you may cancel the this policy and receive a full refund of the premium within 45 days of purchase. After 45 days, you are entitled to terminate your policy at any time and receive a refund of premium equivalent to the number of full unexpired months of cover remaining on the policy.
To cancel your policy, simply return with this certificate to where you purchased the cover. Our colleagues will be pleased to assist you.
Seeing as theres quite a few months left until the cover expiry in May 2010, i decided to pop into comet, cancel it and get back some of premium.
Pleased to assist me is something their colleagues weren't. First she tried to fob me off saying i couldn't do anything after 45 days, then after several requests that she read her own companies conditions she finally read the full cancellation box. She then rang the manager (who wouldn't come out and see me) and told me i would have to phone the product cover office and that i probably won't get any form of refund as 12 months have passed.
Now i may not know my legal stuff, but there's two ways i see it:
a) they should be refunding me the unexpired months.
b) i've been mis-sold the policy as i don't know what this 12 months she was referring to is about.
Can anybody help?????