Do dental insurers offer a money-back guarantee?

If you decide that you don't want to take out your dental insurance policy, you will normally be offered a money-back guarantee.

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How does dental insurance work?
Dental insurance is exactly like car insurance or home insurance – it is there to support you when you need it. Once you have signed up for a policy, you will pay your premiums on a yearly or monthly basis, whichever you prefer.
What is not covered by dental insurance?
Dental insurance is a good all-encompassing policy, and does not have many exclusions. However, here are a few pointers worth remembering:
I need treatment but only took out the policy a few weeks ago - can I make a claim?
It is an industry standard for dental insurance companies to deny you full cover for the first 3 months of your insurance plan.
Does it make any difference if I buy my dental insurance through a broker?
Using a broker could save you money when it comes to dental insurance – because they will be able to get a quote from all the dental insurance providers in the UK.
What do I do if I have a complaint?
If you have a problem with any part of your cover then the first course of action is to speak to your insurer or your broker.
A money-back guarantee gives you the freedom to check your insurance documents in full, and then cancel your agreement. You have to cancel the agreement within a set timeframe however, usually within 14 days, and provided you have not made a claim, your premium will be fully refunded.

If you cancel after the set timeframe then you will not be able to get a refund of premiums paid. You can however cancel your dental insurance policy at any point during the year, without any cancellation fees.

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