You can cancel the Policy by returning your Certificate of Motor Insurance to us with written instructions and we will return a portion of your premium, less an amount for administrative expenses, providing there were no claims made during the period. Any return of premium which might otherwise be due to you can only be paid after your Certificate of Motor Insurance has been returned to and received by us. We can cancel the Policy by giving you seven days notice in writing by registered mail sent to your last known address. If we do this, we will refund an amount of premium proportionate to the unexpired period of the Policy upon presentation of your Certificate of Motor Insurance.