We're so sad to see you go! Refunds are processed the same day as policy cancellations and may take up to 3 days to be credited back to your card on file. Please note that at Toggle, we don't charge any initiation or set-up fees to get your policy started. However, we do retain the first month's policy premium if you need to cancel in your first month after buying your policy. (In CA, we refund after the first $40.) If you request to cancel your auto policy within the initial policy term, any refund due will be computed on a 90% of a daily pro rata basis for the full term premium.