problems cancelling car ins due to claim

cheepskate_2

wondering if anyone can help.

was in a small accident was other parties fault, but no witnesses.so wll probably go 50/50.
problem i am having insurance company they have no notes about accident, apart from there was one. even though i gave them twice., need to resend in details about accident.
My broker wont let me xc insurance without paying the rest of the year premiums, cos there is a claim.
I have now got rid of the car and got a new one. Re-insured with other company as 1st company wouldnt insure new car straight away, and needed it done straight away, as had no car(ist car now off road)
What can i do as i have got insurance under my name for 2 cars , my new policy holder wants my no claims discount confirmation, This accident happened 4 months ago and doesnt look like being settled for a while yet.
Is there anything i can do as this just seems never ending calls back and forth by me to get info and not getting anywhere.

raskazz

If you submit a claim the full annual premium is required whether you let it run for the full year or cancel early. This is standard, and the insurer will not release proof of your No Claims unless the premium is paid in full.

To be honest I would get back to the original insurer and try and cover your new car with them, and cancel the new policy you have just set up. Why would you original insurer not cover your new car?

dunstonh

As there is a claim you have to pay the full premium. Car insurance is an annual contract and the fact you pay monthly is down to a credit agreement, no the insurance premium.

Currently, you have no proof of no cliams as you have a claim. The new insurer should have set you up on with zero no claims and will no doubt be asking you to make up the difference when you cannot supply proof of NCD.

When the claim has been settled and if you are found to have no fault and the other party is responsible, you then get your no claims discount back (along with excess and out of pocket costs) and the new insurer will reprice and backdate the NCD and refund the extra money to you.

These are questions you should be putting to the broker and the info you should be getting back.