Classic Car Insurance
Discussion
Hi, just a "heads up" for anyone with Classic Car Insurance. Mine was insured through that well known broker Adrian F***. Mine had been running for 4 months. On cancelling the policy (Car Sold) I was surprised that I was due 0% refund not even pro rata. Is this a general event with classic policies hidden in the small print somewhere?:confused
Sharp practise I call it. J C.
Sharp practise I call it. J C.
I've had classic car insurance for over 25 yrs on and off from Morris Minors to Porsche and TVRs and it's always been a zero return policy in my experience. Often it's because of the limited mileage cover. Otherwise people could use all the mileage up in a few weeks and get 90% of their money back. They often don't ask for the mileage reading if you've sold it. Not that the average person WOULD, just that they could. 
N7GTX got a refund with Classicline 7 weeks after renewing which actually surprised me.
N7GTX got a refund with Classicline 7 weeks after renewing which actually surprised me.
From Adrian Flux website FAQ:
Will I get a refund if my policy is cancelled?
This varies depending on the type of policy that you have, how much you have paid so far and whether you have had a claim.
You would not get a refund if you have either a no refund policy, have a pending claim in this policy, have a fault claim on the policy, or have not paid enough so far to cover the charges for the policy.
If the policy does not allow a refund in any circumstance, this would be stated on the paperwork you received when you took the policy out and we would also have informed you over the phone.
If you are unsure of the status of a claim on your policy, please call our claims team on 0344 381 6502 (24 hours a day, all year round) and they can advise you.
If you are unsure if you have paid enough to cover the cost of your policy, please call our customer service team who can give you an indication of any charges or refunds that will apply if you cancel your policy.
If you have a policy that does allow a refund, your policy booklet will show the cancellation charges. Please be aware that it is not standard for an insurance company to charge on a pro-rata (proportionate) basis. This can mean that, if you are paying monthly, you may not have paid enough to cover the charge for the policy.
If a refund is due, it will be issued to the same method of payment that was used to pay for the policy initially.
Our customer service team are happy to help you with any queries regarding cancelling your policy.
If they never informed you or it does not state it in the documentation received, you have a case to take up with them.
Will I get a refund if my policy is cancelled?
This varies depending on the type of policy that you have, how much you have paid so far and whether you have had a claim.
You would not get a refund if you have either a no refund policy, have a pending claim in this policy, have a fault claim on the policy, or have not paid enough so far to cover the charges for the policy.
If the policy does not allow a refund in any circumstance, this would be stated on the paperwork you received when you took the policy out and we would also have informed you over the phone.
If you are unsure of the status of a claim on your policy, please call our claims team on 0344 381 6502 (24 hours a day, all year round) and they can advise you.
If you are unsure if you have paid enough to cover the cost of your policy, please call our customer service team who can give you an indication of any charges or refunds that will apply if you cancel your policy.
If you have a policy that does allow a refund, your policy booklet will show the cancellation charges. Please be aware that it is not standard for an insurance company to charge on a pro-rata (proportionate) basis. This can mean that, if you are paying monthly, you may not have paid enough to cover the charge for the policy.
If a refund is due, it will be issued to the same method of payment that was used to pay for the policy initially.
Our customer service team are happy to help you with any queries regarding cancelling your policy.
If they never informed you or it does not state it in the documentation received, you have a case to take up with them.
Gassing Station | Wedges | Top of Page | What's New | My Stuff