Insurance write off, 'refund' on remaining policy months?

[NathanE]

When a car has been written off and NCB has been lost:

Is it normal for the insurer to retain the whole premium amount and not "refund" any of the remaining months on the policy?

Thanks!

[danyeates]

Yes, you won't get any premium back.

[poo at Paul's]

Yes, normal. It's in their ts and cs IIRC and is part of their insuracne profile.

And if you pay mothly, they take the rest of the year's premium out of the payout!

[NathanE]

Cool, that's that one cleared up. Cheers folks!

[Mroad]

Depends on the insurer as to whether you can get a refund/transfer the policy on write off or if they take or keep the remaining years fee and cancel the policy.
It's a really old clause that most decent insurers now won't include.
Admiral group take the money (Admiral, Bell, Elephant etc.), one of the reason why I won't use them and no doubt one of the reasons why they come out cheaper than the rest.
Check the small print before you go with a cheap quote and weigh up the pros and cons. Obviously worst case is if you write a car off early on in an expensive policy.

[movilogo]

If you are with Aviva, insurance continues after car is written off. You can add new car in existing policy which will be treated as change of car.