stolen car, claim successful - does it count as cancellation?

manub

My car was stolen in Oct 2021, and I immediately made a claim (Admiral). Police found the tracker but not the car - so the car wasn't recovered and it was written off. I got paid the value of the car and Admiral cancelled my policy as the car was not recovered.

I've bought a new car now - and trying to get quotes for insurances. I have proof of NCD from Admiral I've got still a 7 years NCD, but I was wondering if to the questions "Have you ever had your insurance cancelled" I should answer yes. I thought it would be only if you had your policy cancelled for fraud or non-disclosure, but I'm not really sure and I'd err on the safe side.

Anybody has been in a similar situation? Thanks.

Brie

Was the policy actually cancelled?  I didn't think a policy would be if a claim was made as you would have paid for the entire year and not got a refund.  Happy to be corrected on this.  

manub

The letter they wrote me stated the following

Policy cancellation

As your vehicle has been stolen and not recovered, we are proceeding with the claim on a total

loss basis. This means that the insurance cover for your vehicle will be cancelled with

immediate effect. (This includes the driving other vehicles extension, if applicable). If you have

any outstanding insurance premium left to pay, this will be deducted from your total loss

settlement.

I didn't get any refund. I agree it doesn't sound "cancelled" and - of course if a car is stolen and unrecovered how could they possibly not terminate the policy?

I have a £500 difference by unticking the cancellation box with the cheapest insurer (which incidentally is the one I was insured with and claimed when I got my car stolen), so it's quite material.

user1977

I think they just mean "we have ended the insurance cover early", not "cancelled because you've done something wrong". This doesn't sound like something you need to declare (other than the claim itself of course).

400ixl

You don't need to answer yes as the policy has terminated in line with the T&C's. It hasn't been cancelled through your wrong doing.

chrisw

manub said:

I have a £500 difference by unticking the cancellation box with the cheapest insurer (which incidentally is the one I was insured with and claimed when I got my car stolen), so it's quite material.

Be very careful ticking and unticking these sort of boxes. You either have or haven't had an insurance cancelled so any change of mind can flag up potential fraud with insurers. On the comparison sites you will find they return less quotes and the prices go up.

But I would agree, you've had a declareable incident but not a cancellation in that respect.

diystarter7

Brie said:

Was the policy actually cancelled?  I didn't think a policy would be if a claim was made as you would have paid for the entire year and not got a refund.  Happy to be corrected on this.  

Hi
I watch a lot of car tv progs and was shocked to lear a few years ago and I have warned others here as well IE, if your car is written off, the remainder of the policy is written off as it belong to the car. I have posted warning people that and the really unlucky ones have to take into consideration if they only paid the day before 1k for their insurance and written off the next day, you wont get a penny back of the remainer. If you are apying monthly you have to keep paying after car is written off

As I posted above I wanted to be certain 107% so Googled - see beow quote and easy to read link
----------

What happens to my car insurance after my car is written off?

This can come as a bit of a shock to some motorists, but when your car is written off and you claim on your insurance you’ll still be required to meet your monthly insurance payments until the end of the policy, even if you no longer have the car.

Similarly, if you paid for the full year upfront you won’t be able to claim back the money for the remainder of the year, even though you’re technically insured to drive a car that is no longer on the road.

This can sometimes prove to be a bitter pill to swallow, particularly if the payout you receive from your insurance provider is less than the amount you’re going to end up paying during the remainder your policy, but this obligation is written into the vast majority of car insurance contracts

https://www.quotezone.co.uk/car-insurance/guides/what-happens-to-insurance-if-car-written-off

Thanks

diystarter7

BTW OP
If i doubt, give them a call, ie the ones you are thinking of joining.

400ixl

diystarter7 said:

Brie said:

Was the policy actually cancelled?  I didn't think a policy would be if a claim was made as you would have paid for the entire year and not got a refund.  Happy to be corrected on this.  

Hi
I watch a lot of car tv progs and was shocked to lear a few years ago and I have warned others here as well IE, if your car is written off, the remainder of the policy is written off as it belong to the car. 

And based on such, you really shouldn't be peddling TV drama as gospel.

The vast majority of insurers allow the insured to continue the policy if a replacement car is bought in good time. The other factor is if paying by installments, they can insist that the policy is paid in full as part of the claim.

Each is on a case by case basis, but writing off the policy is actually not the default, far from it.

diystarter7

400ixl said:

diystarter7 said:

Brie said:

Was the policy actually cancelled?  I didn't think a policy would be if a claim was made as you would have paid for the entire year and not got a refund.  Happy to be corrected on this.  

Hi
I watch a lot of car tv progs and was shocked to lear a few years ago and I have warned others here as well IE, if your car is written off, the remainder of the policy is written off as it belong to the car. 

And based on such, you really shouldn't be peddling TV drama as gospel.

The vast majority of insurers allow the insured to continue the policy if a replacement car is bought in good time. The other factor is if paying by installments, they can insist that the policy is paid in full as part of the claim.

Each is on a case by case basis, but writing off the policy is actually not the default, far from it.

You should stop posting  "pedalling" edited versions of my post as I have backed up what I have said with a link
which you have omitted along with the quote

As you have said, if things may have changed, trust me friend, the insurance that pays the policy holder will not cheat them out of their cover if what you said re some is true
bye

diystarter7

400ixl said:

diystarter7 said:

Brie said:

Was the policy actually cancelled?  I didn't think a policy would be if a claim was made as you would have paid for the entire year and not got a refund.  Happy to be corrected on this.  

Hi
I watch a lot of car tv progs and was shocked to lear a few years ago and I have warned others here as well IE, if your car is written off, the remainder of the policy is written off as it belong to the car. 

And based on such, you really shouldn't be peddling TV drama as gospel.

The vast majority of insurers allow the insured to continue the policy if a replacement car is bought in good time. The other factor is if paying by installments, they can insist that the policy is paid in full as part of the claim.

Each is on a case by case basis, but writing off the policy is actually not the default, far from it.

Please post a credible link to what you have said just like I did and you did not quote

Thanks