ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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While a claim is ongoing against me?
Decided im not paying £1500+ for any car, so fuck getting insured by myself anymore, going to go through my mums policy.
Ive got a small claim against me though, can I cancel the policy now, or do I have to wait months for the bastard claim to go through?
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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You can cancel it, but you still have to go through with the claim
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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quote:
Originally posted by Whittie
You can cancel it, but you still have to go through with the claim
Ah good, so long as I dont have to pay £160 a month anymore, im happy 
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Alex16v
Member
Registered: 30th Jun 06
Location: Chester Drives: Civic ep3 final edition
User status: Offline
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I didn't have to mate. I was with CIS insurance when some nob head smashed into me and wrote my car off.
Then i went out and bought a corsa GSi with money i had saved, when the claim stil hadn't even been remotely sorted and they wouldn't insure me so i cancelled and went to Quinn Direct.
Claim still went through fine and i got my money.  I would ring them and ask them just to make sure its the same though bud.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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quote:
Originally posted by Alex16v
I didn't have to mate. I was with CIS insurance when some nob head smashed into me and wrote my car off.
Then i went out and bought a corsa GSi with money i had saved, when the claim stil hadn't even been remotely sorted and they wouldn't insure me so i cancelled and went to Quinn Direct.
Claim still went through fine and i got my money. I would ring them and ask them just to make sure its the same though bud.
Claim is against me though, thats the difference 
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John
Member
Registered: 30th Jun 03
User status: Offline
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You will have to pay the rest of the policy up.
They will take it off whatever money you owe you or charge you if more, wouldn't be very good for the companies if you could just cancel after crashing would it.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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Im on monthly payments, thought all I would have to pay is the final month?
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John
Member
Registered: 30th Jun 03
User status: Offline
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You'll have to pay what the policy would have cost for the duration, ie 10 or 12 months.
Also wouldn't be fair to the people who pay it all upfront, if they crash on day 1 they don't get a refund for the rest of the policy.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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Fuck sake, the utter bastards wont even quote me less than £1.5k for any car 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Your policy is most likely void anyway, you can still go elsewhere and get a new one but they'll still take their money before giving you any for the car.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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I have one claim against me when I clipped a hire car, thats ongoing, there was pretty much no damage to my car.
Mine got written off recently by a friend, thats been settled out of insurance.
I do want to stay with quinn, just not paying £1585, even for a 1.0 12v corsa.
Hopefully I can change the policy so my mum is the main driver, bring it down to £800.
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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Ring them up and say you want to cancel. When i canceled insurance on the corsa with The AA they only charged me a cancellation fee of £80 when i think i still had 6 months left with them. I was paying in installments aswell
But i don't know whether it would of been different if i had a claim going against me
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aim1
Member
Registered: 26th Jun 06
Location: Kent
User status: Offline
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They aren't daft, if you say your mum is now going to be the main driver and you want to now be a named driver they may well say you are lying. Some insurance companies are really clamping down on it.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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I dont even have a car anymore, so im paying £160 a month for nothing
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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normally if theres been no claims you can just end it, but if there has been any sort of claim you must pay off the policy in full. cost me about 500quid to cancel policy on my blue astra when i sold it
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Jakey
Premium Member
Registered: 4th Jun 07
Location: Sandbach
User status: Offline
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Im in the same boat Chris, crashed into someone and wrote my car off.
Im with CIS and ive got to continue paying until my renewal (August) TBH not much you can do about it, just get a cheap run a round so your not paying for fuck all.
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notts.pirate
Member
Registered: 19th Feb 08
Location: east mids
User status: Offline
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as already said you will have to pay up the full policy cost if theres a claim agaisnt you
i crashed an old van of mine writing it off and had to pay the whole 1800 quid my policy cost
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