5 Surprising Health Benefits of Your Morning Coffee

Whether you enjoy an espresso, a filter coffee or a latte, your morning brew could offer you more than just…
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How a Calm Morning Routine Can Improve Your Day

Mornings can set the tone for the rest of your day. A slow, calm start could help reduce stress, boost…
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A healthy heart is essential for a long, happy life, and there are many ways to keep your heart in…
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Chocolate is a favourite at any time of the year, and with such an array of amazing recipes and photos…
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As the weather warms up, exercising outdoors becomes a great free option. Say goodbye to the indoor gyms and hello…
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Valentine’s Day is often associated with decadent chocolates, rich desserts, and lavish dinners. While it’s great to indulge in some…
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As summer fades away and autumn arrives, it’s time to embrace the cosiness – including the pumpkin spiced lattes. However,…
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It’s believed that SAD (seasonal affective disorder) affects around 2 million people in the UK[1]. Most people have heard…
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With pollen levels on the rise, NHS searches for Hay Fever have almost tripled in the last month[1]. For…
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Fees included if cancelled	Before policy starts	Within 14 days of policy starting	After 14 days of policy starting
Cancellation Fee	£25.00	£35.00	£75.00‡
Policy arrangement fee	None	Pro-rata	No Refund
Number of days on cover	None	Pro-rata	Pro-rata amount
Full premium of any add-ons on policy exclusing RAC**	None	None (Unless a claim has been made)	No Refund**
‡For policies with a start date before 11/03/26 the cancellation fee is £75.00 For policies starting on or after 11/03/26, the cancellation fee is £50.00. *RAC breakdown cover will be manually pro-rata'd less any commission. For XS Direct policies please refer to your policy documents.