AA cooling off period

necronaut

I looked at my car insurance certificate with Admiral. I was shocked to find it'd expired a month ago. I bought insurance with AA.

Then I remembered I had amended my insurance with Admiral last october but they hadn't sent me a new certificate for some reason, it was online only. So I did actually have a month left.

So now i'm insured twice and knew the cooling off cancellation fee was quite a bit so there wasn't benefit in cancelling it.

Then I looked at my AA policy and it says to give a photocopy of my licence and NCB in the next 7 days or my policy will be cancelled.

I paid in full when I bought it. Will I get a full refund?

InsideInsurance

I am a little confused as to how you have ended up with two policies.

There will be a cancellation fee and time on cover deducted from either policy that you cancel. The cooling off period just means you can cancel it not that its cost free to cancel.

If I understand that the current policy doesnt expire until next month then you will have problems with the AA because the NCD is already in use on the Admiral policy and you cannot use 1 NCD on 2 policies.

Normally it would be a case of weighing up cancelling the policy and its costs -v- just keeping the two policies running and making sure the Admiral one doesnt renew but in this case you dont really have that option.

necronaut

I got my insurance last August. Then in october when my ex-gfs insurance expired Admiral allowed me to start a fresh year with her added on. Unfortunately didn't get a certificate and it turned out it was online only. Didn't get any renewal notification (obviously) but went to check my certificate out of curiousity, says expired in august. Got another policy.

New AA policy says will cancel in 7 days (today) if I don't hand in NCB proof and licence so hopefully i'll get a refund. Wont have much time to mess with it because i'm going to work 12 hour shifts for the next 7 days.

InsideInsurance

You dont want to let them cancel it, they will void the policy for failure to provide the details and this will spike your premiums for life.

You need to proactively cancel one of the policies yourself and the most sensible one is the AA one.

If you or they cancel it the cancellation fees apply