Car Insurance

[dantheman91]

Hi All

A shite couple of months after my 23 year old Ford Fiesta Ghia was broken into and stolen but recovered only fools hot wire cars with an active immobiliser but the damage was done anyway in a quandary the insurance have paid out for the car quoted £400 - the excess i only got £250 in the end speaking to them on Thursday they now want to charge a cancellation fee which is fair but also the remainder of the policy which is £235 after they have paid out for the car which means in the end i only get £15 are they allowed to do this is my question as already lost out as the car had many new parts including cam and water pump can i contest why pay the remainder for a car you no longer have? not to mention i was already skint after forking out £450 before the theft

[struth]

thats pretty shit dan. insurance companies are crap and seem to always have the law in their side, but they are not always right, trouble is most cant afford to fight them.

[Macca]

short answer probably yes they can, but check the T and C of your policy to be sure

They don't make money by paying out.

[Lawrence001]

Sorry to hear about your issues Dan. I'm a bit confused though are you saying the car is a write off as a result of the theft and so you want to cancel the remainder of the term of the insurance? What did the thieving toerags do to it?

[dantheman91]

Sorry to hear about your issues Dan. I'm a bit confused though are you saying the car is a write off as a result of the theft and so you want to cancel the remainder of the term of the insurance? What did the thieving toerags do to it?

Hi Yes its a write off after the theft as was hot wired i hope they got a nasty sting from the 12V battery only idiots would try this they did the drivers door bent it right out of shape , ignition barrel , Door Lock , Cowling yes i have cancelled the remainder of the policy but if i hadn't contacted them to cancel it would still be on going i had to do all the chasing and send everything off V5 , History and Purchase receipt just a whirlwind really i loved that motor i looked after it kept it on the road Grrrr

[Lawrence001]

I looked it up it seems it's standard that you have to pay the full year if it's written off and you've made a claim. I guess you've invoked a cancellation policy but the fee is close to the remaining pro rated premium.

There's also some admin you have to do with the DVLA or you can be fined, if you weren't already aware:

https://www.claimscore.co.uk/guides/...fter-write-off

[Mikeandvan]

'Don't worry, you're fully insured with us', 'I wish to make a claim'. 'what can we do not to pay this guy'?

[dantheman91]

I looked it up it seems it's standard that you have to pay the full year if it's written off and you've made a claim. I guess you've invoked a cancellation policy but the fee is close to the remaining pro rated premium.

There's also some admin you have to do with the DVLA or you can be fined, if you weren't already aware:

https://www.claimscore.co.uk/guides/...fter-write-off

Cool - Yep have sent a letter to DVLA clarifying its now a write off

[Puffin]

Really sorry to hear about this Dan. You do your best to keep the things you like and mean something to you and then some scrotes do that.

My wife has one of those real old muscle cars...A Chevvy Matiz It had not had a service for some time and it cost well over the value of the car. It has only done 22,000 in 13 years. I suspect it may not be a marque desired by thieves

[walpurgis]

That's tough Dan. I had my then van broken into years ago outside my house and use a hefty steering wheel lock in my car every day now. If your Fiesta is repairable and you were keen enough, you could probably get the parts, chances are a door the right colour will be available. Not sure where you'd stand re-registering a write-off.