保险是不是有21天的cooling off period 为什么BINGLE cancel扣了我差不多1倍多啊？

xxqqxx89 · 发表于 2014-2-21 12:39:24

本帖最后由 xxqqxx89 于 2014-2-21 14:00 编辑 RT，想转去budget啊我这个月4号才弄得今天想退，发现他才退我36刀，（我按月付的），想打电话问，他们是website based真悲剧。。。
那个21天cooling period是指的full refund吗？还是我理解错误了？看了下PDS
Federal law lets you cancel this policy within 21 days of its purchase. Bingle
also lets you cancel your policy at any time, so long as your requested
cancellation date is not on the scheduled instalment debit date or on the
next business day (or any intervening day). This restriction only applies if
you pay your premium by instalments - see also page 9. When you cancel
your policy, so long as you haven’t made a claim, we will refund you the
unexpired portion of the risk premium component of your total premium, as
well as a pro-rata refund of any taxes and charges to which you are entitled
to by law. Bingle does not charge any cancellation processing fee貌似就算21天以内取消，也要扣钱。。那那个21天有什么意义啊？