Car insurance after a crash?

-Mike-

-Mike-

-Mike-

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Joined
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Minehead
Hey,

My cousin has written her car off, three weeks or so after passing her test by pulling out on someone. The other car is also written off and whilst claiming it wasn't her fault the insurance people obviously saw sense.

I thought that car insurance, once it had paid out was finished? My cousin isn't claiming but the other lady surely will do so!

Is the below correct?

No am not claiming for mine but the insurance know that they will be expecting a claim from her as I've admitted fault. I rang today and asked if my policy would expire due to the circumstances they said no if I get a new car as long as the engine is the same my policy will cover me.
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Thanks
 
No one here is going to know any more than the insurance company in question.

From what has happened to my friends though I believe their policies usually continued on a new car.
 
When I had a fault claim and wrote the car off, after the claim was settled the policy was terminated.
 
Is she claiming for her car on the insurance? If not, then in their eyes, is it just a case of 'new car' on the same policy with a possible admin fee to change the car?
 
If the insurance co pay out for your car as a total loss, then the policy is almost always terminated (and if paying monthly they will take the outstanding premiums out of any payout). Most of them do however agree to continue the policy on a replacement car, but will adjust the premium based on the new car.

So if you're going to write off your car, make sure to do it at the end of your policy rather than the start ;)
 
I wrote off my car about a month after passing my test, the claim ended up being £3,000. I got another car after that, was the exact same model and just had to pay a admin fee to change the car on the policy.

I remember something about it costing a lot more going for a different car.

As for ending the policy, in my case I was paying more for the policy than the claim ended up being. I would assume that influences it.
 
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After a fault claim on a TPFT policy I had when I was 17, I was allowed to continue the policy till the end of the year. This might be different if you are claiming for your own car, mind.
 
Hxc said:
After a fault claim on a TPFT policy I had when I was 17, I was allowed to continue the policy till the end of the year. This might be different if you are claiming for your own car, mind.
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Irrelevant. Of course it continues after a claim... but it doesn't if your car is written off.
 
It's pretty simple. You have an insurance policy for a car. If that car is written off, it can no longer be insured, therefore the policy ends.

However the majority of insurers will allow you to transfer the insurance to another car following this, but are under no obligation to do so (but it makes business sense to do it, as they'd lose customers very quickly otherwise!!)
 
As above, technically the policy should end but the majority of insurers will allow you to continue the policy on a different car.

When I wrote my first car off years ago (trees don't move, lesson in life) I wasn't even penalised for the accident until the next years policy and to be honest, as I had no experience or NCB to lose I didn't take much of a hit the following year.

May not be that way now but as a new driver with an already loaded policy I found it the best time to have a bump (if there is ever a good time)
 
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-Mike- said:
her car
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-Mike- said:
three weeks or so after passing her test
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-Mike- said:
pulling out on someone
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-Mike- said:
claiming it wasn't her fault
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hmmm_i_wonder_b.jpg
 
Disco Boy said:
If your car is written off then your policy ends.
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Last time I wrote a car off, I just called my insurers a week or so later and gave them details of the new car.. Fault claim. I they didn't mention anything about the policy being canceled the they just adjusted my direct debit accordingly.
 
mattyfez said:
Last time I wrote a car off, I just called my insurers a week or so later and gave them details of the new car.. Fault claim. I they didn't mention anything about the policy being canceled the they just adjusted my direct debit accordingly.
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Same as this after I wrote a car off just over a year ago.
 
It must depend on the policy my wife's brother has written off too cars and both times the other can has been written off, he gets a new car on the same policy, each time it's been with different insurers.

I would expect my policy to carry on , you pay for 12 months so why should it end early?

As mentioned if the car is different spec then adjustments will be made to price
 
rodenal said:
As above, technically the policy should end but the majority of insurers will allow you to continue the policy on a different car.

When I wrote my first car off years ago (trees don't move, lesson in life) I wasn't even penalised for the accident until the next years policy and to be honest, as I had no experience or NCB to lose I didn't take much of a hit the following year.

May not be that way now but as a new driver with an already loaded policy I found it the best time to have a bump (if there is ever a good time)
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Same I had about a £250 increase comparing claim vs no claim, overall my policy was still down over a grand the next year.
 
I can tell you that policies underwritten by direct line group would continue to run their full 12 month course wether the claim was fault or non fault makes no difference, in fact it is no different than just doing a normal change of vehicle.

The changes come at renewal when you have a fault claim logged & lose some NCD.

(this is provided nothing has changed in the 5 months since I left)
 
The policy will continue, although if she chooses to cancel the policy, it's doubtful she will get any refund!
 
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