Our Service Commitment
Tell us if you have a service concern. We can review it with you, explain the available next steps and help you obtain the applicable written terms. A service request does not cancel a policy or guarantee a refund.
Cancellation and return premium are policy-specific
Policy cancellation and any return premium depend on the policy, insurer and applicable requirements. Ask for the effective date, earned premium, applicable fees and any premium-finance or lender balance to be explained before making a change.
A quoted price, a service commitment and a policy contract answer different questions. Before replacing coverage, confirm the new policy's effective date and any lender requirements. Ask for a written explanation of any cancellation calculation rather than assuming that every payment will be returned.
NAIC: return premium calculations follow policy provisions and applicable requirementsOriginal written service commitment
The original written TCDS service commitment remains available below. This explanation does not withdraw or amend an existing written promise. Contact TCDS to review the document that applies to your situation alongside your policy and billing terms.
The linked document is preserved in its original form. It contains historical marketing and carrier information; it should not be treated as the current carrier roster or as the terms of every insurance policy. Ask us to explain how any written commitment applies before relying on a refund expectation.
Read the original written commitment (PDF)Service and cancellation questions
What does the TCDS service commitment mean?
Tell us if you have a service concern. We can review it with you, explain the available next steps and help you obtain the applicable written terms. A service request does not cancel a policy or guarantee a refund.
Does a service concern automatically cancel my policy?
No. Contact us to discuss the concern and the action you want to request. Ask for written confirmation of any approved policy change and its effective date. Do not assume that sending a message has ended or replaced your coverage.
Will cancellation return all the money I paid?
Policy cancellation and any return premium depend on the policy, insurer and applicable requirements. Ask for the effective date, earned premium, applicable fees and any premium-finance or lender balance to be explained before making a change.
Where can I read the original written commitment?
The original written TCDS service commitment remains available below. This explanation does not withdraw or amend an existing written promise. Contact TCDS to review the document that applies to your situation alongside your policy and billing terms.
Can you guarantee a lower quote or a better claim payment?
A quote comparison is not a guarantee of savings, eligibility, coverage or a claim outcome. Compare equivalent limits, deductibles and terms. The insurer decides eligibility and claims under the policy.
What should I prepare before discussing cancellation?
Have the policy number, current declarations, intended effective date and billing or finance documents available. If replacing coverage, confirm the new policy's effective date and any lender requirements before requesting a change to the old policy.
Compare coverage without a savings promise
We can compare eligible options for your state, product and circumstances. Review limits, deductibles, exclusions and premium together. A request is not proof of insurance.
Request a coverage comparison
