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Thread: Car insurance write off help/advice

  1. #1
    Regular Member Craig1985's Avatar
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    Default Car insurance write off help/advice

    My brother inlaw brought an astra for £6k, 4 months later someone crashed into it out side his house. Police have done woman for carless driving. BUT his insurance company have offered him £5k for the car minus his excess (until claim is settle via her insurance) and minus his remainding 8months insurance which was £900 (first car)
    Question is can they take his Years insurance??? It wasn't his fault? Or will this also get refunded?
    We can't get any sence out of elephant.

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    Regular Member rjw's Avatar
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    yes in the event of a claim if your paying monthly the remainder of the years premium need paying before a claim will be paid, or deducted off the payout.

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    Regular Member Craig1985's Avatar
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    Even though he wasn't at fault? That sucks, badly!!! Can people claim it back as an out of pocket expense ?

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    Regular Member Jezzy's Avatar
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    This is how it works - your BIL entered into a contract with his insurer - he pays them a year's premium, they'll pay any valid claims he has during the next 12 months. They've upheld their end of the contract - paying the claim - and they expect your BIL to uphold his end of the contract - i.e. pay the year's premium. If he's going to get a cheque for his written off car, why doesn't he buy a replacement car and put it on the same policy he already has; that way he's not paying the rest of the premium for nothing.

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    Regular Member Craig1985's Avatar
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    So as long as he gets another car pit onto that policy he could use same policy and just change the details and pay the difference if there is any?

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    But what if will be looking for a replacement car for let say 3 months (maybe he wants something rare)?He will the lose those 3 months of premium.Not fair

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    Regular Member Jezzy's Avatar
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    If he's that slow, tough luck.

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