Insurance policy cancelled following total loss claim
Discussion
The daughter recently had a bump, ( at fault) and was paid out fully as the car was a total loss. Admiral have paid out and cancelled the policy, now when getting quotes when I mention have had a policy cancelled it is creating massive increases. You also have to say yes to this forever, as there is no time lapse on the question.
Surely this is wrong having to declare having a policy cancelled, when it is due to a total loss claim and the insurer cancelling it for that reason. Essentially being punished twice for a claim..
Anyone had this?
Surely this is wrong having to declare having a policy cancelled, when it is due to a total loss claim and the insurer cancelling it for that reason. Essentially being punished twice for a claim..
Anyone had this?
I'm not sure it's cancelled per se. If you claim on a policy and it's a total loss, they terminate the policy once paid out as there is no longer anything to insure, I think for that reason it's not classified as cancelled.
Plenty on here in the industry so someone will be along shortly with a more definitive answer.
Plenty on here in the industry so someone will be along shortly with a more definitive answer.
You don’t have to declare it as a cancelled policy, it’s been stopped because the vehicle that was insured can no longer be insured (total loss)
It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
Matt_E_Mulsion said:
Surely the policy ended rather than was cancelled. If the policy paid out then essentially the contract was fulfilled.
It says on the web page when I log in, policy cancelled, and when the daughter rang up the guy on the phone said she would have to declare it on any new quote.Surely this can’t be right, the premiums are massive and some won’t quote when it is mentioned.
The Rotrex Kid said:
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
They normally have a grace period where the policy can be transferred to another vehicle, seems harsh if they paid out and canned it immediately.The Rotrex Kid said:
You don’t have to declare it as a cancelled policy, it’s been stopped because the vehicle that was insured can no longer be insured (total loss)
It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
I hope that’s right, surely the staff need notified for clearance when advising on the matter. It should say policy settled or something, rather than cancelled. It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
I’m going to ring admiral on Saturday when we are both off work and try and get some clarification. It’s got me worried sick for her.
The Rotrex Kid said:
You don’t have to declare it as a cancelled policy, it’s been stopped because the vehicle that was insured can no longer be insured (total loss)
It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
This ^It’s not a cancelled policy in the sense that an insurance company cares about. She just needs to declare the claim but the fact the policy has been ‘cancelled’ doesn’t need to be.
IIRC her insurance company should have offered her the chance to swap the policy to another car but I could be off on that.
"Cancelled" means that the contract between you and the insurer was cancelled for some reason, i.e. payment failure, breach of terms, undeclared issues etc.
ian-2mym1 said:
It says on the web page when I log in, policy cancelled, and when the daughter rang up the guy on the phone said she would have to declare it on any new quote.
Surely this can’t be right, the premiums are massive and some won’t quote when it is mentioned.
She will have to declare that she had an at-fault claim and her car was written off.Surely this can’t be right, the premiums are massive and some won’t quote when it is mentioned.
She doesn't have to declare that she's had insurance cancelled, that (very confusingly) is something separate usually due to effectively fraud where the customer has lied to their insurance co.
If getting a new quote on the phone, she should be able to explain to the person what happened (she had a crash that wrote off her car) and they should know how to represent that on the new proposal - a claim, but not a cancellation.
Strictly speaking they are entitled to cancel as the subject matter of the contract is no more, but most insurers will continue the policy for a replacement car.
A relative had a bad experience with Admiral a few years ago when they declared his car a Cat S after a fairly minor shunt, but he chose to keep it and they kept the policy in force.
You really need to speak to them I think.
A relative had a bad experience with Admiral a few years ago when they declared his car a Cat S after a fairly minor shunt, but he chose to keep it and they kept the policy in force.
You really need to speak to them I think.
Mr Tidy said:
Strictly speaking they are entitled to cancel as the subject matter of the contract is no more, but most insurers will continue the policy for a replacement car.
A relative had a bad experience with Admiral a few years ago when they declared his car a Cat S after a fairly minor shunt, but he chose to keep it and they kept the policy in force.
You really need to speak to them I think.
She spoke to them yesterday and they said it needs declared as a canceled claim, due to an accident. A relative had a bad experience with Admiral a few years ago when they declared his car a Cat S after a fairly minor shunt, but he chose to keep it and they kept the policy in force.
You really need to speak to them I think.
The thing is on quotes their is no option to say why it was cancelled, just the question "have you ever had a policy cancelled, which in effect she has, then the quotes go sky high and plenty wont even insure her.
Im ringing on Saturday when we are both off work as surely this is wrong.
ian-2mym1 said:
She spoke to them yesterday and they said it needs declared as a canceled claim, due to an accident.
The thing is on quotes their is no option to say why it was cancelled, just the question "have you ever had a policy cancelled, which in effect she has, then the quotes go sky high and plenty wont even insure her.
Im ringing on Saturday when we are both off work as surely this is wrong.
It sounds like she has got herself confused by what they have said. The thing is on quotes their is no option to say why it was cancelled, just the question "have you ever had a policy cancelled, which in effect she has, then the quotes go sky high and plenty wont even insure her.
Im ringing on Saturday when we are both off work as surely this is wrong.
They probably told her she now need to declare the claim rather than claim the policy being ended.
SteBrown91 said:
It sounds like she has got herself confused by what they have said.
They probably told her she now need to declare the claim rather than claim the policy being ended.
They said to say it had been cancelled, due to an accident claim.They probably told her she now need to declare the claim rather than claim the policy being ended.
Hopefully we can clear it up on Saturday when we both speak to them.
Don't get into a tiz OP. The policy has not been cancelled even though that's the status they have on their system. It has come to the end of its term.
Read the terms and conditions which will say in the event of a total loss and payout that's the end of the contract.
To get new insurance the fault claim needs to be declared.
Read the terms and conditions which will say in the event of a total loss and payout that's the end of the contract.
To get new insurance the fault claim needs to be declared.
BertBert said:
Don't get into a tiz OP. The policy has not been cancelled even though that's the status they have on their system. It has come to the end of its term.
Read the terms and conditions which will say in the event of a total loss and payout that's the end of the contract.
To get new insurance the fault claim needs to be declared.
Well the staff should be informing customers correctly on what to, and what not to declare then. Read the terms and conditions which will say in the event of a total loss and payout that's the end of the contract.
To get new insurance the fault claim needs to be declared.
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