What happens if the insurance provider decides not to reinstate my policy?

If reinstatement is denied:

• We’ll help you set up a new policy so you can stay insured.
  
  
• We can use the reinstatement fees you paid towards your new policy. If this isn’t an option, any reinstatement fees you paid will be refunded.

However, the amount for used insurance days is not refundable, as that coverage was already provided.