Refund & Cancellation Policy

Last updated: July 2026

Because we are an insurance agency, "refunds" work a little differently than a store. We do not charge you a fee to get a quote or to place a policy — our compensation is the standard commission paid by the carrier. What can be refunded is premium, and that is governed by your carrier's cancellation terms and Florida law. This page explains both the free part and the premium part in plain terms.

The quote and the consultation are always free. There is no agency fee to refund because there is no agency fee to begin with.

Quotes and consultations

Requesting a quote, meeting with an agent, and receiving side-by-side options cost you nothing and carry no obligation. If you decide not to buy, you owe us nothing and there is nothing to refund.

Cancelling a policy you bound

If you have already bound coverage through us and want to cancel:

Call us at (813) 384-6052 or email quotes@czartyuo.shop and tell us the effective date you want the cancellation to take.
We submit the cancellation request to the carrier the same business day.
The carrier calculates any return premium. Most policies are cancelled pro-rata (you get back the unused portion), though some carriers apply a short-rate penalty on early cancellation — we will tell you which applies before you confirm.
Return premium is issued by the carrier, typically within 10–30 days, to the payment method or address on file.

Free-look period

Many Florida policies include a statutory "free-look" window after issuance during which you may cancel for a full premium refund. If your policy has one, we will point it out at binding and its length appears in your policy documents.

Down payments and financed premium

If your premium was financed through a premium-finance company, cancellation return premium is applied to the outstanding finance balance first; any remainder is refunded to you. We will walk you through the numbers so there are no surprises.

How to reach us

Cancellations, refund questions, or a status check: (813) 384-6052 · quotes@czartyuo.shop · 3438 Colwell Ave, Tampa, FL 33614. We answer during business hours, Mon–Fri 9:00am–5:30pm.