Cancellation of Car Insurance Policies

• Please remember that it is an offence to drive without car insurance.
• Cancellation is the termination of a car insurance policy before the expiry date. Cancellation occurs during the life of a car insurance policy and does not include policies that are not renewed at their renewal date
• A car insurance policy can be cancelled by notifying us at any point prior to the policy expiry date. A policy may be cancelled with immediate effect or at a date in the future
• We will always send a letter of cancellation to confirm the cancellation of a car insurance policy
• Customers will have to return all currently valid (unexpired) Certificates of Motor Insurance. If the certificate(s) have been lost, stolen or destroyed, in order to comply with statutory legislation, we will send a declaration form which the customer will need to sign and return. Failure to return the certificate(s), or sign the declaration, is an offence under the Road Traffic Act
• No premiums will be refunded until all currently valid Certificates of Motor Insurance have been returned, or the declarations have been signed and returned (see previous point) or the cover note has expired
• If a car insurance policy is cancelled following a claim or any incident which subsequently gives rise to a claim, any premium due will remain payable. The Claim has to be for a total loss in the first 14 days to ensure the whole premium is due
• Under the Financial Services (Distance Marketing) Regulations 2004, a customer who cancels a car insurance policy within 14 days of receiving their policy documentation is entitled to a proportional refund of premium from the date the unwanted Certificate of Insurance is returned. The customer will not be entitled to the refund of any fees that have been paid
• After the first 14 days the following rules apply:
  If a car insurance policy is cancelled we will charge you for the time you have received insurance cover and a cancellation fee will apply as set out in the policy document
• Note that when a car insurance policy is cancelled, all related additional cover such as Motor Legal Protection and Breakdown Cover will be cancelled at the same time. The premiums for Motor legal Protection is not refundable, unless the cancellation takes place within 14 days of receiving the policy documentation
• Refunds will be paid back into the account that the premium came from unless the account holder is deceased. If the account holder is deceased, we will need confirmation in writing to prove the name of the executor of estate so that a cheque can be sent to them
• We will issue proof of No Claims Discount as long as all of the premiums owed have been paid
• Note that simply cancelling a direct debit does not cancel a car insurance policy or any premiums that are due.

Back to top