Insurance Questions bit stuck

luckyj_2

Ok, so my my car was struck on 30th april 2009, since then my car has been unused apart from inpsection by our insurers ( quinn ) in which we had to drive to a depot for it to be checked, the car was written off and they offered a payout to cover costs.

now my insurance runs 23/july/08 to 23/july/09 with every payment coming out on the 23rd my car has now been towed as of this morning and we have resent of for reimbursement for my tax disc. Am i still paying insurance on the car till the end in order to recieve another years ncb am i entitled to any money back? or is my insurance now canceled, both my car and the guy who hit it our with quinn i dont want to ring without some prior knowledge so they dont try to pull a fast one, thanks in advance.

Quentin

You cannot have any money back from your full annual premium as you have made a claim. The policy may end as a result of the write off (check the policy wording), and in any case cannot continue if there is no car to cover on it.

dogbot

As quentin says, you must pay the full years premium because you have made a claim. You won't get your NCD reinstated for the year untill the third party insurer reimburses your insurer for the claim. This could take a while, especialy if you are negotiating about a total loss settlment.