Refund & Cancellation Policy

Effective Date: June 13th, 2025

At Tavira Insurance Agency, we strive to ensure all clients are satisfied with their coverage and service. This Refund & Cancellation Policy outlines how policy cancellations and refunds are handled in accordance with insurance carrier rules and California law.

1. Policy Cancellations

You may cancel your insurance policy at any time by submitting a written request to our office or directly to your insurance carrier. Cancellations are subject to the terms outlined in your policy contract.

Note: Some policies may require a signed cancellation request or additional documentation. Please allow up to 10 business days for processing.

2. Refund Eligibility

Refunds are issued based on the unused premium portion of your policy, minus any applicable carrier short-rate fees or minimum earned premiums. These conditions vary by insurer and type of policy.

You may be eligible for a refund if:

    •    You cancel your policy before the term ends

    •    Your policy is canceled by the insurer (for non-payment, underwriting issues, etc.)

    •    A coverage change results in a lower premium

3. Non-Refundable Items

The following are non-refundable:

    •    Agency service fees (e.g., policy issuance, processing, reinstatement)

    •    State-mandated fees and filing fees

    •    Any fees disclosed as non-refundable at the time of sale

4. Refund Processing Time

If a refund is due, it will typically be processed within 14–21 business days after cancellation is finalized by the insurer. Refunds are issued by the insurance carrier—not Tavira Insurance Agency—unless otherwise specified.

5. Contact for Questions

For questions or to request a cancellation:

Tavira Insurance Agency

803 Camarillo Springs Rd., Suite D

Camarillo, CA 93102

Email: info@tavirainsurance.com

Phone: (866) 645-7055