I really need your help. I bought a Super E Plus education cover from Britak at the end of 2009 but I would like to cancel it. I have been paying the premiums but I haven't been receiving the statements. E-mails are ignored and upon visiting their website, am welcomed by post after post of complains of poor customer service in terms of delayed payment of claims and bonuses.

I was informed that after 4yrs I can safely cancel the policy and get a refund of all monies accruing but am not sure I want to wait that long. Anyone know of a way to cancel and get my money back?

Has anyone else bought this cover? What has been your experience?

Thanks.

Rescinding(cancelling) the contract will only allow you to get a portion of the premiums you had paid and NEVER the full amount - hard to belive but its true. Insurance companies will always consider costs incurred e.g. admin costs etc when the policy was in force and will deduct some percentage on the premiums paid and what you get is very meagre because of cancellation before maturity period.I suggest you bite the bullet and pay the premiums upto maturity time then after getting the benefits,cancel the policy. What is the period taken out?

i gave up my one year savings with them after reading the fine print

Do you want to cancel just bcz you have no statements coz if thats the case yopu ncan visit any britak branch and be sure with your ID no or policy no. you will be given your account status if you have no problems with the premiums please keep paying coz there is the security element and your bonus chqs will come automatically without claiming as long as premiums are up to date this is from experience.

I can't pop into their offices. I can only request via e-mail and they do not respond. I want to cancel because I think the take out period is too long. Thanks for the encouragement.