Refund & Cancellation Policy

1. Our Commitment to Fairness

At Path Finder Insure, we believe managing your auto insurance should be simple and fair. Whether you are modifying your current coverage or terminating your account entirely under our structured cancellation policy, we guarantee clear pricing and hassle-free returns on any unused premium.

2. Refunds Triggered by Policy Modifications

Changing your insurance details online can directly impact your monthly premium payments. Depending on the changes you make, you may be issued a partial refund or premium credit:

• Removing a Vehicle

  If you choose to remove a vehicle from your policy mid-cycle, we will calculate the pro-rata difference and issue a credit or refund to your billing account instantly.

• Removing a Driver

  When you remove a person from your active driver list, your risk profile drops. Any premium reduction is credited back to your payment method pro-rata.

• Adding Vehicles or Persons

  Conversely, if you decide to add a vehicle or add a person, your premium may increase. If you have already prepaid your policy, we will simply process a pro-rata charge for the remainder of your active term.

3. Cancellation Policy & Premium Refunds

You have the right to cancel your policy at any time. Our refund structure handles cancellations as follows:

• Cooling-off Period: Cancel your policy within 14 days of start with zero penalties and receive a 100% refund (provided no claims have been filed).
• Mid-Term Cancellations: If you cancel after the cooling-off period, your unused premium is refunded on a pro-rata basis.
• Administration Fees: Under our cancellation policy, standard cancellations may carry a minor administration fee to cover processing costs, which will be deducted directly from your final refund amount.

4. How Refunds Are Processed

All eligible refunds are automatically routed back to your original payment card or bank account. Depending on your financial institution, please allow 5 to 10 business days for the funds to clear and appear in your bank account.

5. Contact Us to Cancel or Request a Refund

To request a refund or process a formal policy cancellation, you can contact our support agents directly:

Path Finder Insure Support Team
Email: refunds@pathfinderinsure.com
Phone: (609) 934-2787