Conflicting Information from Insurance

mcweasel05

Hi all,

So, here we have it. My car was written off due to vandalism and my insurance has paid out.
At the time of being informed on that they had written it off, I asked what would happen to my policy/NCD discount.
I was informed that as I had chosen to protect my NCD, I would need to continue with the policy, but simply change the car when I got a new one as that was what I paying to protect my NCD for.

Yesterday I go to view a car, really like it, cheap to run, lower insurance group than my old one and put down a deposit.

Call my insurance company and inform them of new car - premium more than doubled :mad:

So, have a shop around and find better prices elsewhere. Call my insurance to see what they say - can't do anything on price as automatically generate. I ask even though I've had a total loss and being paid out, can I cancel the policy and go somewhere else, and if so, would I still be liable for the remaining premium (it runs until Oct) - informed I could cancel, no further premiums payable, I won't get the extra years no claims as I would not see out the full term with them. And, I would need to use my previous insurance as proof of no claims, my insurance would simply provide information stating a claim was made but they did not provide any extra years NCD.

So, what is it? Do I continue to pay the premium on my old car (even though it no longer exists) or, can I cancel and go somewhere else?

My T&C's state this:
We will refund any premiums already paid for the remaining period of any other risk,
except when you have already made a claim under that risk in which case the full premium remains
payable. For Motor risks please refer to the Certificate of motor insurance condition.

But the CoMI does not state anything else on cancelling when a claim/payout has been made, and I do not understand the concept of Risk it refers to.

I also feel it best to note that I pay monthly, if that makes a difference?
What can you lovely people advise please?