They should, however, apparently they have some ways they can attempt to refund less for you, and then it is up to you to fight it.

For example, some companies have added clauses to their rules, like, there is this company I nearly signed up with that someone mentioned on here, they ask do you smoke, you say no, you get a cheaper policy for non-smokers without realizing it. Then it turns out if you get lung cancer (passive smoke anyone?) they won't pay anything!

Now how is that for trying to get out of normal obligations! So read the AVB (the policy rules) of the grundvers. before you sign!