Cancelling legal with ongoing claim

Circles80

Hi there

If you have an ongoing no fault claim and have paid for legal cover - if you cancel your insurance (my car was written off and I don't know when I'll buy another car) are you still covered by legal to deal with your claim? Insurance does not automatically get cancelled. 

My insurance is with Quote Me Happy and I have had the worst experience dealing with them.

Thanks in advance. 

DB1904

Circles80 said:

Hi there

If you have an ongoing no fault claim and have paid for legal cover - if you cancel your insurance (my car was written off and I don't know when I'll buy another car) are you still covered by legal to deal with your claim? Insurance does not automatically get cancelled. 

My insurance is with Quote Me Happy and I have had the worst experience dealing with them.

Thanks in advance. 

Have you claimed on your policy or the third parties? I don't think they'll let you cancel if the claim is on your policy and you wouldn't be due a refund until they have covered their costs. 

AdrianC

Cancelling the ongoing policy will not affect any claims relating to incidents that happened during the term covered, no. Nor would the policy simply expiring...

Circles80

DB1904 said:

Circles80 said:

Hi there

If you have an ongoing no fault claim and have paid for legal cover - if you cancel your insurance (my car was written off and I don't know when I'll buy another car) are you still covered by legal to deal with your claim? Insurance does not automatically get cancelled. 

My insurance is with Quote Me Happy and I have had the worst experience dealing with them.

Thanks in advance. 

Have you claimed on your policy or the third parties? I don't think they'll let you cancel if the claim is on your policy and you wouldn't be due a refund until they have covered their costs. 

I've claimed on my insurance. They have paid me market value for my car (accident was on Thurs 5th Aug). I have to use legal cover to claim my excess and any losses. The solicitors have also put in a whiplash claim but I might not pursue this as I work for NHS and can get physio as a staff benefit. I've tried phoning the solicitors (Carpenters Group) and there is no answer phone facility you have to email which I have done twice.

I am not too bothered about pursuing for losses I just would like my excess (hopefully other driver admits liability) as it was £250. 

jimjames

If the car has been written off then the policy normally ceases anyway so you won't be cancelling it

Circles80

jimjames said:

If the car has been written off then the policy normally ceases anyway so you won't be cancelling it

Nope they do not cancel the policy! They emailed saying it is still running and say you can amend policy to add a car. They charge £56 to cancel. When I had non fault accident in past my insurance was cancelled as car written off.