Refund Policy (Återbetalningspolicy)

1. Satisfaction Guarantee

SwedishShield Insurance offers a 100% satisfaction guarantee on all our insurance products and services. If you're not completely satisfied with your policy or our service, we will work with you to address your concerns and provide appropriate refunds when applicable.

This guarantee applies to both one-time purchases and subscription-based insurance policies.

2. Eligibility for Refunds

You may be eligible for a refund in the following circumstances:

• Cancellation During Cooling-Off Period: If you cancel your policy within 14 days of receiving your policy documents (the "cooling-off period"), you will receive a full refund of any premium paid, provided no claims have been made.
• Policy Cancellation After Cooling-Off Period: If you cancel your policy after the cooling-off period, you may be entitled to a partial refund calculated on a pro-rata basis for the unused portion of your premium.
• Duplicate Payment: If you have been charged twice for the same premium payment or service.
• Service Issues: If we have failed to provide the service or coverage promised in your policy documents despite reasonable attempts to resolve the issue.
• Policy Changes: If changes to your policy result in a reduced premium (e.g., removing a vehicle, changing coverage levels).

3. Refund Request Timeframe

To be eligible for a refund, you must notify us of the issue within:

• 14 days of policy inception for cooling-off period cancellations
• 30 days of the charge date for duplicate payments or billing errors
• As soon as reasonably possible for service issues or other refund requests

We strongly recommend that you review your policy documents promptly upon receipt and check your payment statements regularly to ensure timely reporting of any issues.

4. How to Request a Refund

5. Cancellation and Refund Calculations

5.1 Cooling-Off Period Cancellations

If you cancel within the 14-day cooling-off period and no claims have been made, we will refund your premium in full, less any non-refundable fees clearly identified in your policy documents. These fees may include a policy setup fee or administrative charges.

5.2 Cancellations After the Cooling-Off Period

If you cancel your policy after the cooling-off period, your refund will be calculated as follows:

• Pro-rata refund based on the unexpired portion of your policy period
• Less a cancellation fee (if applicable and permitted by law)
• Less any claims paid or in process

The cancellation fee is SEK 250 for cancellations after the cooling-off period, unless otherwise specified in your policy documents.

5.3 No Refund Situations

Please be aware that in certain situations, you may not be eligible for a refund:

• If your policy has expired
• If your policy has been canceled due to non-payment
• If your policy has been canceled due to fraud or misrepresentation
• If the total claims paid under your policy exceed the premium paid

6. Refund Processing

6.1 Refund Method

Refunds will be processed using the original payment method whenever possible:

• Credit/debit card payments will be refunded to the same card
• Bank transfers will be refunded to the originating account
• If the original payment method is unavailable, we will work with you to determine an alternative refund method

6.2 Refund Timing

Once approved, refunds will be processed within 10 business days. However, the time it takes for the funds to appear in your account depends on your payment provider and may take an additional 3-10 business days.

6.3 Refund Confirmation

You will receive an email confirmation once your refund has been processed, including the amount refunded and the expected timeframe for receiving the funds.

7. Exceptions and Special Circumstances

7.1 Claims During Policy Period

If you have filed a claim or if a claim has been filed against your policy, it may affect your eligibility for a refund or the refund amount. Each case will be reviewed individually, considering the nature and value of the claim relative to the premium paid.

7.2 Premium Finance Agreements

If you are paying for your policy through a premium finance agreement (monthly installments), special terms may apply to your refund. These terms will be outlined in your finance agreement.

7.3 Legally Required Coverage

If your policy includes legally required coverage (such as traffic insurance/trafikförsäkring), our ability to cancel and refund this portion may be restricted by law. We will advise you of any such restrictions when processing your cancellation.

7.4 Discretionary Refunds

In certain circumstances, we may offer refunds outside of our standard policy as a goodwill gesture. These discretionary refunds will be evaluated on a case-by-case basis and are not guaranteed.

8. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. If we make material changes to this policy, we will notify you by email or through a notice on our website prior to the change becoming effective. Your continued use of our services after such modifications will constitute your acknowledgment of the modified Refund Policy.

9. Contact Us

If you have any questions or concerns about this Refund Policy, please contact our customer service team:

• Email: refunds@swedishshield.se
• Phone: +46-70-123-4567
• Mail: SwedishShield Insurance AB, 123 Försäkringsgatan, Stockholm, 11453, Sweden

For urgent matters, we recommend contacting us by phone for the fastest response.