Yes, yes and yes ! At Lovys, you're the boss. 

You can change your options, choose a new policy or cancel it in two or three easy steps. 

When your monthly payment drops, we apply a credit system that will be deducted from the next monthly payment: it automatically adjusts the following month. Now that's beautiful!

For example, you decide to withdraw an option from your home insurance on the 20th of the month. However, your Lovys anniversary date is the 10th of the month. Then, we will credit you the overpayment and deduct it from your next monthly payment.