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to cancel car insurance with claim on going

theo_cupia
theo_cupia Posts: 2 Newbie
edited 22 November 2011 at 9:44AM in Insurance & life assurance
I have a claim been made against me for alledgeedly injuring someone while parking my car. The policy runs to april 2012,but i no longer use the vehicle.

What i would like to know is if i cancel now will the claim still be dealt with. I feel if i ask the insurers they will say yes as it would be in there interest to get my monthly payment. Any ideas ?
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Comments

  • nibs
    nibs Posts: 577 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    DS was in a similar situation and was told he couldn't cancel the insurance. Makes sense really but always worth asking!
  • mildred1978
    mildred1978 Posts: 3,367 Forumite
    Do you still have the car, and where is it parked?
    Science adjusts its views based on what's observed.
    Faith is the denial of observation, so that belief can be preserved.
    :A Tim Minchin :A
  • theo_cupia
    theo_cupia Posts: 2 Newbie
    Yes still have car but wife uses on own insurance, hence why i would like to cancel mine.
  • Quentin
    Quentin Posts: 40,405 Forumite
    theo_cupia wrote: »

    What i would like to know is if i cancel now will the claim still be dealt with. I feel if i ask the insurers they will say yes as it would be in there interest to get my monthly payment. Any ideas ?

    You can cancel your policy at any time.

    The insurer will still deal with the claim against you.

    Though until this claim is settled, your insurer will want the full premium for the year paid. If you are anyway at failt, and your insurer has to pay damages to the third party, then you won't get any refund.
  • Quentin
    Quentin Posts: 40,405 Forumite
    theo_cupia wrote: »
    Yes still have car but wife uses on own insurance, hence why i would like to cancel mine.

    Under the new insurance rules, this won't work. She would have to add your car onto her policy.
  • sdt1986
    sdt1986 Posts: 411 Forumite
    theo_cupia wrote: »
    Yes still have car but wife uses on own insurance, hence why i would like to cancel mine.

    You're breaking the law, it is illegal to have two insurance policies on one vehicle.
    Poverty 2012 - F**K My low wage!
  • FlameCloud
    FlameCloud Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    sdt1986 wrote: »
    You're breaking the law, it is illegal to have two insurance policies on one vehicle.

    No it isnt.
  • sdt1986
    sdt1986 Posts: 411 Forumite
    FlameCloud wrote: »
    No it isnt.

    Okay okay, if you want to be pedantic, I was just saving time in having to explain it, whilst it's not illegal to have, it is illegal to try and make a claim, so why pay for two policies.
    Poverty 2012 - F**K My low wage!
  • Quentin
    Quentin Posts: 40,405 Forumite
    edited 25 November 2011 at 9:32AM
    sdt1986 wrote: »
    it is illegal to try and make a claim, so why pay for two policies.

    No it isn't! (And the OP has a current claim on the policy anyway, so your talk of him being "illegal" is just scaremongering!)
  • sdt1986
    sdt1986 Posts: 411 Forumite
    Quentin wrote: »
    No it isn't! (And the OP has a current claim on the policy anyway, so your talk of him being "illegal" is just scaremongering!)

    Erm yes it is illegal to make a claim on two insurance polcies for one car. It's double indemnity.
    Poverty 2012 - F**K My low wage!
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