Insurance and claims?

[Simf40]

Hi all i bought a clio 182 back in sep 2010 and insured it costing about £750, after 3 months i wrote it off,
so insured my clio 1.4 16v which i had on my drive still and i got £150 back which is fine

i'm 24 with 5 years no claims protected bonus, always insure it fully comp, parked on drive with security camers

I have just bought another 182 and went to cancel my old policy with admiral as i found a cheeper quote with elephant, i knw they are the same company.

The foriegn language speaker said i can cancel it but i would have to pay the cost of canceling it due to me having a claim on the policy? so i would get nothing back.

it was £603 to insure my 1.4 16v clio and the policy ends aug 2011 i dont get why i should have to pay/or get no refund for canceling a policy for having a claim on there?

anyway i asked to swap the cars over and it costed me an extra £170, £46 was to put my misses on and it ends in aug still.

i think he was saying the claim is still open? but i told him it was settled? hate not being able to understand them!!
just would like to know if this is going to happen again when i re-insure my car in aug?

oh and i did try sky insurance but cus i had a claim the closest i could get was £900 with discount worth a try

Any help would be great

Thanks Simon

 

[SimonR.]

Ring them before six and you will get through to a welsh person who speaks "english"

 

[MarkCup]

Were you paying by monthly instalments?

If so, that's what they're on about. It costs you £750/£603 to insure your car for a year. You've made a claim so the full year is payable. If you're paying monthly, no matter what you do with the policy, you still owe them the remaining monthly instalments.

 

[Simf40]

I always pay annually,

lol yes I did ring admiral before six though it was 17:20

 

[Derelict-UK]

If you ring them around 9pm I usually get through to someone in America (with Bell) who is usually more helpful than the Welsh phone centre!