Old company told me they can only refund me 30 days back while I had 2 company’s insuring same property. Is there a law that allows them to do this?
This has more to do with company-specific guidelines. While some companies will prevent you from seeking full reimbursement for canceling a policy within 90 days, others will not if you can show proof of other insurance. In my experience, if you can show proof of another insurance, you might be able to get a full refund but this isn’t guaranteed. Because you signed a policy contract at the start, you agreed to these terms and conditions. I, however, would still try and contact and customer service representative or a manager. Best of luck.