Question about claiming on insurance?

[Darius]

I have a few questions about claiming on insurance.

If I was to pay £2K for insurance for 12 Months then crash after 2 months write the car off and claim and get a pay out, does my insurance continue for the next 10 months with the purchase of a new car or is that my insurance policy cancelled and I've lost the 2K I originally paid and have to pay for insurance all over again?

As above if I were to be paying monthly and crash after 2 months do I have to pay up in a lump sum the remaining 10 months?

Cheers
Darius

 

[The_Pirate]

If you're found to be at fault and you're paying your insurance up, they will take the rest of the original policy amount i.e say it was £1450 left to pay - they will take that off your settlement figure, if the car was deemed a total loss.