Abt cancelation of car insurance?

Question

i have taken car insurance from admiral .its abt 10 months installments.each month 70 pounds direct debit,its a third party insurance.unfortuntaely after paying 1 month(70) insurance.my car got big accident.i had given my car to scrap.

when i called to my admiral insurance company to cancel my insurace.they are not doing it.pls can u tell me any other way to cancel my insurance..can i cancel my direct debit of insurance from bank?is der any problemss if i do direct debit

Answer 1

In the UK, you can generally cancel a policy provided no claims have been made (e.g. if you sell the car). As your car was in an accident, I assume a claim has been made. Therefore the insurance company is within its rights to insist the premium is paid in full.

Answer 2

You can't - your insurance payment is still due.

You can suspend your insurance to take back up when you have a car again, but you can't cancel a policy already in force.

Your insurance is due at the start of the period of cover, and you've effectively taken out finance with the insurer to allow you to pay it over ten months.

Your full premium was still due on the date you took out your insurance, even if you lost your car the day after.

If you take a loan out, and buy a car which then immediately gets stolen, you still have to pay for the loan, even though you don't have the car - this is exactly the same.

Answer 3

JG above  is correct.  This is why I would never pay my insurance by the month

Answer 4

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