Can I claim back unused insurance if my car is written off?

My car was invovled in an accident and I claim my insurance and the insurance co decided to write it off. I just renewed my insurance one month before the accident. I can claim back the 11 month unused road tax from DVLA from the Post Office. However, the insurance co said that I cannot claim unused portion of insurance. I paid one year in advanced and I have 11 month insurance left. What do you think? What is the normal practice? Obviously the car no longer exists and I should have my money back?

steveflatman

No, unfortunately once you have a claim in a policy term you are legally obliged to pay the policy in full. If the vehicle is repaired, it simply means you cannot cancel the insurance within that term. If howerver you are unfortunate enough to have your vehicle written off, in the eyes of the law there is no risk left to insure, so the policy ceases. The only way to get even a partial refund is to purchase a new vehicle, have the insurer quote for insuring this vehicle and advise them that you will only insure with them if they are willing to apportion an amount in lieu of the lost insurance. They will normally offer a sizable discount in order to win your business, and the likelyhood that you will remain a loyal customer in return.

Martin14th

It's a nice way of thinking but unfortunately it's the wrong way. By paying out the company have come to a settlement, based on the full 12 months premium.

Steve M

If the insurance company have paid out on the claim, then they are not going to refund your premium - get real!

elloboy33

its a normal thing for them to do as you have claimed a total loss on the policy. if you had paid monthly the would ahve taken the last 11 off the settlement figure. sorry

gorgeousfluffpot

most companies will cease the insurance with a full payout on a write-off. Sorry, but it's written into the contract. I can't think of a company that will continue to insure a non-existent vehicle (as a write-off would be).

Bandit600

You'll find that you "small print" will say that they will keep the whole premium if they have had to pay out on it.

SAMMY

It would not even be advisable to claim back your insurance,even if you could.What would happen if the person involved in your accident subsequently claimed for personal damages?

I do not know an insurance company whose terms and conditions will let you have a refund.

blb

Contact your company again and ask for a refund starting the day after the accident. If they are still unwilling to give you a refund contact the insurance commissioners office or the equivalent of an insurance commissioners office.

They should be giving you a refund.

my car has been written off but the accident was not my fault and my insurance paid in full for the year will the insurance company refund what I now can't use

if i claim insurance within 1-2 month of purchase my car for some accident and company cover the same then what happens in next 10-11 months??? can i again claim within the year??? dose it make any negative impact in future??? or i should not supposed to claim and repaired from my pocket, plz help i am confused...... some people says not to claim and some suggest to claim.

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