There are no surprise charges on a PROtique Masterplan™ – you do not have to pay for paper copies of your policy, nor is there a fee for making changes to your policy (of course if you add more coverage or services, there may be an additional premium, but there is no other fee applied to make a change to your policy). Some polices are non-refundable once you pay the premium – you don’t have to worry about this with PROtique. The insurance company will credit you for the unused time less a small charge for cancelling early. The only thing not refundable is our policy fee. The policy deductibles will also be outlined to you before you purchase your policy so you’ll know what you’re responsible for paying if you have a claim.