Hi all,
I'd like peoples opinions on the following.
Purchased car insurance June 2020, paid for monthly, I had a car accident September 2020 which I pursued through my own insurance due to the fact is was pretty obvious I'd be found 100% not at fault and the 3rd party's insurance not willing to work with me to sort it out in a timely fashion.
My insurance wrote the car off and I received a lump sump and was told the policy will be suspended until I got another car (no timeframes or specifically what this meant was explained to me, nothing in writing either).
Come to January 2021 and I get confirmation in writing that my insurance have received complete settlement from the other side, that its confirmed as a non-fault accident and my NCB will not be affected.
I have decided not to get another car as we only need 1 car at present as I am now working from home.
I ring my insurance to let them know I no longer require insurance as I will not be getting another car.
They've agreed to cancel the policy, but have refused to refund any premiums I've paid since the accident (4 monthly payments since the accident - £120) and want to charge me a £60 cancelation fee.
Does this seem right? Through no fault of my own my car gets written off and because I've decided not to get another, I've had to pay for 4 months where I didn't have a car and then have to pay a cancellation fee to no longer pay to insure a car that's been written off?
I understand if it was a fault claim I'd need to pay the entirety of the insurance, but what about non-fault accidents?
My insurance's suggestion was to use my legal cover in an attempt to re-coup these losses?
Is this all legit/the norm?
Thanks in advance.
I'd like peoples opinions on the following.
Purchased car insurance June 2020, paid for monthly, I had a car accident September 2020 which I pursued through my own insurance due to the fact is was pretty obvious I'd be found 100% not at fault and the 3rd party's insurance not willing to work with me to sort it out in a timely fashion.
My insurance wrote the car off and I received a lump sump and was told the policy will be suspended until I got another car (no timeframes or specifically what this meant was explained to me, nothing in writing either).
Come to January 2021 and I get confirmation in writing that my insurance have received complete settlement from the other side, that its confirmed as a non-fault accident and my NCB will not be affected.
I have decided not to get another car as we only need 1 car at present as I am now working from home.
I ring my insurance to let them know I no longer require insurance as I will not be getting another car.
They've agreed to cancel the policy, but have refused to refund any premiums I've paid since the accident (4 monthly payments since the accident - £120) and want to charge me a £60 cancelation fee.
Does this seem right? Through no fault of my own my car gets written off and because I've decided not to get another, I've had to pay for 4 months where I didn't have a car and then have to pay a cancellation fee to no longer pay to insure a car that's been written off?
I understand if it was a fault claim I'd need to pay the entirety of the insurance, but what about non-fault accidents?
My insurance's suggestion was to use my legal cover in an attempt to re-coup these losses?
Is this all legit/the norm?
Thanks in advance.