Refund Policy

1. Satisfaction Guarantee

Euro Car Insurance offers a 100% satisfaction guarantee on all our products. If you're not completely satisfied with the quality, freshness, or condition of any item in your order, we will provide a refund or credit at our discretion.

This guarantee applies to both one-time purchases and subscription deliveries.

2. Eligibility for Refunds

You may be eligible for a refund in the following circumstances:

• Quality Issues: Products that are damaged, spoiled, или otherwise not up to our quality standards upon delivery
• Missing Items: Products that were charged but not included in your delivery
• Incorrect Items: Products that were delivered but different from what you ordered
• Late Delivery: Deliveries that arrive significantly outside the scheduled delivery window, resulting in product spoilage
• General Dissatisfaction: If you are unhappy with a product for any reason

3. Refund Request Timeframe

To be eligible for a refund, you must notify us of the issue within:

• 48 hours of delivery for quality issues, missing items, or incorrect items
• 24 hours of the scheduled delivery time for late deliveries

We strongly recommend that you inspect your order as soon as possible after delivery to ensure timely reporting of any issues.

4. How to Request a Refund

We do not typically require you to return perishable items. For non-perishable products, we may request that you return the item before processing a refund. If a return is required, we will provide instructions and may cover return shipping costs depending on the circumstances.

5. Information and Educational Services

Euro Car Insurance primarily offers free informational and educational content about car insurance in Denmark and across European countries. For any paid information services or premium content, the following refund policy applies:

5.1 Digital Information Products

For digital information products, including but not limited to e-books, reports, guides, and premium content:

• 14-Day Money-Back Guarantee: If you are not satisfied with your purchase, you may request a refund within 14 days of the purchase date.
• Usage Limitation: Refunds may not be available if you have accessed, downloaded, or utilized a significant portion of the digital content.
• Format/Technical Issues: If you experience technical issues with accessing or using the digital product that we cannot resolve, you are entitled to a full refund regardless of the 14-day period.

5.2 Webinars and Online Courses

For webinars, workshops, and online courses:

• Cancellation Before Event: Full refund if cancelled at least 48 hours before the scheduled start.
• Partial Attendance: No refunds after the webinar or course has commenced or if you have accessed more than 25% of the course content.
• Recording Access: If the event includes access to recordings, refunds will not be issued once you have accessed the recordings.
• Technical Failures: Full refund if you were unable to participate due to technical failures on our part.

6. Consultation Services

For one-on-one consultation services related to insurance matters:

• Cancellation Policy: Full refund if cancelled at least 24 hours before the scheduled consultation.
• No-Show: No refund for missed appointments without prior notice.
• Dissatisfaction: If you are not satisfied with the consultation service provided, please contact us within 48 hours of the consultation, and we will work to resolve your concerns, which may include a partial or full refund at our discretion.

7. Subscriptions and Recurring Payments

For subscription-based services:

7.1 Cancellation of Subscriptions

You may cancel your subscription at any time through your account settings or by contacting our customer service. Upon cancellation:

• Your subscription will remain active until the end of the current billing period.
• You will not be charged for future billing periods.
• No partial refunds are provided for the unused portion of the current billing period unless otherwise specified.

7.2 Subscription Refunds

Refunds for subscription services are handled as follows:

• Trial Period: If you cancel during a free trial period, no charges will be made to your payment method.
• First Billing Cycle: If you are dissatisfied with your subscription during the first billing cycle, contact us within 7 days of the charge for a potential full refund.
• Subsequent Billing Cycles: Generally, no refunds are issued for cancellations after the first billing cycle unless there has been a service interruption or other exceptional circumstances.

8. Refund Methods and Processing Time

When a refund is approved, we will process it using the following guidelines:

8.1 Refund Methods

Refunds will be issued using the same payment method used for the original purchase:

• Credit/Debit Cards: Refunded to the original card used for purchase.
• PayPal: Refunded to your PayPal account.
• Bank Transfer: Refunded to the originating bank account.
• Account Credit: In some cases, we may offer store credit as an alternative to a direct refund, especially for partial refunds or as compensation for minor issues.

8.2 Processing Timeframes

Refund processing times vary based on the payment method:

• Our Processing: We typically process approved refunds within 3-5 business days.
• Credit/Debit Cards: Once processed, it may take an additional 5-10 business days for the refund to appear on your statement, depending on your card issuer.
• PayPal: Usually reflected in your PayPal account within 24-48 hours after our processing.
• Bank Transfers: May take 5-7 business days to appear in your account after our processing.

9. Non-Refundable Items and Services

The following items and services are generally non-refundable unless otherwise specified or required by law:

• Customized Reports or Analyses: Insurance reports or analyses created specifically for your individual circumstances.
• Gift Cards: Unless required by applicable law.
• Transaction Fees: Any service fees associated with processing payments or transactions.
• Completed Services: Services that have been fully delivered and completed to specification.

10. Exceptions and Special Circumstances

We recognize that special circumstances may arise that are not covered by this policy. In such cases, please contact our customer service team, and we will address your situation on a case-by-case basis.

Exceptions may be made for:

• Extended Illness or Emergency: If you are unable to use a service due to documented illness or emergency.
• Service Interruptions: If we experience technical or operational issues that significantly impact the delivery of our services.
• Product Recalls: Full refunds will be issued for any products subject to recall.

11. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the updated policy on our website. Your continued use of our services after such changes constitutes your acceptance of the new Refund Policy.

For significant changes, we will make reasonable efforts to notify you through our website or via email if you have subscribed to our services.

12. Contact Information

If you have any questions or concerns about our Refund Policy, please contact our customer support team:

We are committed to addressing your concerns promptly and finding a fair resolution to any issues you may experience with our products or services.