To help prevent fraud – before requesting your bank details to provide you with a refund by phone, we will always validate with you information that we hold on file; information that only you would know. This information could include your address or specific policy details. Any refund we provide will only be for one of three reasons: overpaid funds, a reduction in your cover, or cancellation. If you receive a phone call and are unsure it is from us you can always call us back on +44 (0)345 111 0670 to verify we are who we say we are. Gallagher also will not ask you for other forms of sensitive information, such as passwords, usernames or a mother’s maiden name.