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    • rogeryrogery
    • By rogeryrogery 19th Apr 17, 9:13 AM
    • 2Posts
    • 0Thanks
    Zenith insurence
    • #1
    • 19th Apr 17, 9:13 AM
    Zenith insurence 19th Apr 17 at 9:13 AM

    My car was insured from Zenith, had accident august 2016. I called them on December if I can cancel insurance. They said no, claim is still active. and It will stay on file for 6 month so I can cancel after 27th Feb. Again called them after date they said it still active ( no claim been made from me or third party ) so in mid of March, I asked one of their online agent if I can cancel insurence he said yes i can and I have to pay 5 premium if I do it today. I was like yes go ahead. once he cancelled it he said my direct debit after 5 days will still go through 181 + 5. He never mentioned if that direct debit will still go through. so I asked him to restore insurance. as I will be stupid to cancel it 1 month early for no reason when I am paying for that month. He said he can't restore as system don't let him do that. I called Zenith and again they said same thing they can't restore but still will take payment. I cancelled my direct debit and now got letter for unpaid 181 + 5. If I don't pay they will pass it to debt collection.

    Can any help please give me any advice on it?
    Really appreciate it.
Page 1
    • dunstonh
    • By dunstonh 19th Apr 17, 10:50 AM
    • 92,134 Posts
    • 59,291 Thanks
    • #2
    • 19th Apr 17, 10:50 AM
    • #2
    • 19th Apr 17, 10:50 AM
    If you have a claim in a policy year, you are normally liable for the full annual premium whether you cancel the insurance or keep it running.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • rogeryrogery
    • By rogeryrogery 19th Apr 17, 12:23 PM
    • 2 Posts
    • 0 Thanks
    • #3
    • 19th Apr 17, 12:23 PM
    • #3
    • 19th Apr 17, 12:23 PM
    Thanks for response.
    The " Claim " was only letting insurance know about incident happened. No claim as made by me or third party / nothing paid out to any one.
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