Cancellation of your home insurance policy by the Insurer

The Insurer will not cancel the Policy during the policy period except on the grounds of mis-representation, non-disclosure of material facts, fraud or non-cooperation on Your part

In case of Total Loss of Your Home Building in a long term policy where You have decided not to reinstate Your Home Building in favour of a cash settlement of Your claim, the Insurer will cancel the policy for the remaining duration of the policy period. In such a case the Insurer shall refund the proportionate premium for the un-expired policy years after grossing up the premium paid by You towards long term discount, if any