They allow you to cancel the policy within the first thirty days, not hassle after signing a years contract. We did just that because they changed our rate and the policy turned out not to be what we needed at the time. We found something that did match our needs. They were still charging us after we canceled and the none that we gave them was not refunded to us. The customer service was impossible to communicate with. They never canceled our policy in the first place, and the second agent we spoke to could not even understand us.