Whenever you increase your cover level, a 30-day lock-in period will apply, with a few exceptions.
When the lock-in period applies:
Switching from Core to Complete
Activating the Race & Worldwide Travel add-on
Reactivating a paused or cancelled policy
When the lock-in period does not apply:
Upgrading or editing your gear
Activating the Health & Recovery add-on
Moving to a more expensive postcode
During the the lock-in period, you can't schedule, cancel or pause your policy. Please make any necessary adjustments before this period starts.
New customers may cancel within 14 days under the cooling-off policy.
Why do we have this policy?
To protect the Collective from high-risk customers who might only pay for a few days or weekends worth of cover, such as for races or holidays.