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Contracts for financial products sold by distance means are subject to different rules, see below for more on this.
Something else worth mentioning is that the supplier must have sent you written confirmation of your order no later than the time of delivery of the product or performance of the service.
If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.
Financial products including banking, credit, insurance, personal pensions and investments, sold by distance means are subject to a 14 day cooling off period (this is 30 days in the case of life insurance and personal pensions).
This is referred to as your cooling off period and the duration of this period depends on what you bought and the manner in which you bought it.
The following are situations in which the cooling off period applies The purchase of goods and services over the internet, by phone or by mail order generally is subject to the Distance Selling Regulations.
If you have not, the contract is legally unenforceable.You must be sure to follow correct procedure for cancellation (see below).The insurer or broker must refund any monies paid by you within 30 days, although they have the right to deduct a reasonable admin charge, and a sum proportionate to the number of days cover you have had.One of the most important implications of these regulations is a cooling off period of 7 days during which you have the right to cancel.You must provide notice of cancellation in writing and it must be posted to, left at, faxed or emailed to the business address of the supplier, and you must ensure this is done no later than 7 working days after receipt of goods.
Unlike the cooling off period for goods bought under the Distance Selling Regulations (DSRs), the creditor may make a reasonable charge for any service (such as insurance cover) which was operating during this time.