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Smart wheels help

My son had an accident and the car was a write off no one was involved just him rang to tell insurance that car is a write off not claiming just informing and need to cancel insurance they said ok no charge is showing so all is done to today receive a letter saying he owes £786 and no explantion why he paid monthly and they had already taken that months payment of just over 200 already anybody else had this many thanks

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Original post by Cozywarnock
My son had an accident and the car was a write off no one was involved just him rang to tell insurance that car is a write off not claiming just informing and need to cancel insurance they said ok no charge is showing so all is done to today receive a letter saying he owes £786 and no explantion why he paid monthly and they had already taken that months payment of just over 200 already anybody else had this many thanks


So he had an collision, and he decided not to claim; after that he decided to cancel the policy early?

Spoiler

You're still committing yourself to a years cover just spreading the cost...
Same as a phone contract. You can't just cancel it halfway through and expect not to pay anything...
Reply 3
Avatar for IWMTom
IWMTom
20
Original post by Cozywarnock
My son had an accident and the car was a write off no one was involved just him rang to tell insurance that car is a write off not claiming just informing and need to cancel insurance they said ok no charge is showing so all is done to today receive a letter saying he owes £786 and no explantion why he paid monthly and they had already taken that months payment of just over 200 already anybody else had this many thanks


As above, he signed up to a credit agreement and as such needs to pay the balance of said agreement because of the insurance write off.
I thought the same thing when I crashed on my provisional. After they write-off your car they've fulfilled their end of the agreement in full, therefore he needs to pay it off in full. Even though he didn't claim; he was still covered for smashing up the car in the first place.
Reply 5
Avatar for Cozywarnock
Cozywarnock
OP
2
They didn't write it off i did i rang out of curtisy to inform so seems like being h9nest is wrong QUOTE=nevershear;75969128]I thought the same thing when I crashed on my provisional. After they write-off your car they've fulfilled their end of the agreement in full, therefore he needs to pay it off in full. Even though he didn't claim; he was still covered for smashing up the car in the first place.
Reply 6
Avatar for Cozywarnock
Cozywarnock
OP
2
Yes and in there policy it state if you cancle the policy you will be charged a 25 admin fee
Original post by RoyalSheepy
So he had an collision, and he decided not to claim; after that he decided to cancel the policy early?

Spoiler


Reply 7
Avatar for IWMTom
IWMTom
20
Original post by Cozywarnock
They didn't write it off i did i rang out of curtisy to inform so seems like being h9nest is wrong QUOTE=nevershear;75969128]I thought the same thing when I crashed on my provisional. After they write-off your car they've fulfilled their end of the agreement in full, therefore he needs to pay it off in full. Even though he didn't claim; he was still covered for smashing up the car in the first place.


You can't "write off" a car - only an insurer can.
Reply 8
Avatar for Cozywarnock
Cozywarnock
OP
2
Yes you can you dont have to have them write it if if yoy know it will cost more to reoair than cars value
Original post by IWMTom


You can't "write off" a car - only an insurer can.
Original post by Cozywarnock
Yes you can you dont have to have them write it if if yoy know it will cost more to reoair than cars value.


Way to butcher quote tags lol. You can ask them to stop insuring your car, but you can't "write it off" yourself. You smashed the car whilst insured, write-off or not they've fulfilled your contract in full to cover you should anything happen, even if you choose not to exercise the benefits of being covered.
Reply 10
Avatar for IWMTom
IWMTom
20
Original post by Cozywarnock
Yes you can you dont have to have them write it if if yoy know it will cost more to reoair than cars value


No, you can't - only an insurer can write off a car.
Original post by Cozywarnock
They didn't write it off i did i rang out of curtisy to inform so seems like being h9nest is wrong QUOTE=nevershear;75969128]I thought the same thing when I crashed on my provisional. After they write-off your car they've fulfilled their end of the agreement in full, therefore he needs to pay it off in full. Even though he didn't claim; he was still covered for smashing up the car in the first place.


As IWMTom said, only an insurer can write off a car; you can’t declare a write off yourself.

Original post by Cozywarnock
Yes and in there policy it state if you cancle the policy you will be charged a 25 admin fee


£25 on top of the rest of the instalments you owe, due to cancelling early.
If I've cancelled insurance before on my own cars I've never had to pay rest of premium as for write you can as I did it car was worth 400 book price needed new door new wing n new floor seal along with lights so they accepted it an car got scrapped think I'll seek legal advice
Reply 13
Avatar for IWMTom
IWMTom
20
Original post by Cozywarnock
If I've cancelled insurance before on my own cars I've never had to pay rest of premium as for write you can as I did it car was worth 400 book price needed new door new wing n new floor seal along with lights so they accepted it an car got scrapped think I'll seek legal advice


Go read the terms and conditions that you signed when taking out the policy...

You cannot write off a car yourself, only an insurer can - hence why it's called an INSURANCE write off! Do what you want mate, but it's gonna be a waste of time and money; you have an obligation to pay the balance of the credit agreement you entered in to.
Original post by Cozywarnock
If I've cancelled insurance before on my own cars I've never had to pay rest of premium as for write you can as I did it car was worth 400 book price needed new door new wing n new floor seal along with lights so they accepted it an car got scrapped think I'll seek legal advice

I've cancelled 3 policies in the last 2 months alone. That's not the same thing, I cancelled them in order to seek new policies. Others cancel them to sell their car or scrap it. The difference is you've had an accident, for that accident you were covered for the damage you did; whether you claim or not. You will lose this legal battle the second copies of your credit agreement and contract are shown in court - the judge will simply laugh and then give you the "I'm your Daddy" look followed by "Please don't waste my time and other people's money, including your own".

I comment on a lot of threads but this is one of the few I've had personal experience with (crashing a car and then questioning why I owe the remainder of my premium) - when I'm telling you right now you will lose this battle, I implore you to listen; because I already tried it. To this day Adrian Flux still won't insure me because I didn't just simply pay up when they asked; and considering with an accident on record I needed more "specialist" quotes when I needed insurance after passing my test; not having them as an option hurt a lot.
(edited 6 years ago)
Well think I have a way round this as the cars log book was transferrd into the bloke who was gonna scrap it and not to a dismantler so technically the car has been sold and have a letter ftom police that no claim from any third party will be issued so no claims have been made to the insurance company either from himself or third party
Original post by Cozywarnock
Well think I have a way round this as the cars log book was transferrd into the bloke who was gonna scrap it and not to a dismantler so technically the car has been sold and have a letter ftom police that no claim from any third party will be issued so no claims have been made to the insurance company either from himself or third party


That still won't stop the insurance from wanting their payment.
Reply 17
Avatar for IWMTom
IWMTom
20
Original post by Cozywarnock
Well think I have a way round this as the cars log book was transferrd into the bloke who was gonna scrap it and not to a dismantler so technically the car has been sold and have a letter ftom police that no claim from any third party will be issued so no claims have been made to the insurance company either from himself or third party


Sigh.. you're not listening.

Have you actually read your terms and conditions, or the credit agreement, both of which you signed?

Ignorance is not a defence.
Original post by Cozywarnock
Well think I have a way round this as the cars log book was transferrd into the bloke who was gonna scrap it and not to a dismantler so technically the car has been sold and have a letter ftom police that no claim from any third party will be issued so no claims have been made to the insurance company either from himself or third party


You don't get it. You crashed the car. You were covered for any damage caused resulting from the crash regardless of whether you seek remuneration. You are legally obliged to report the accident to your insurer and thus, they have the right to claim your premium in full as it has served its' purpose.

If that was how insurance worked (crash, write your own car off and don't say a thing) then everyone would pay monthly and just cancel their policies if they have a one-way accident.

Not going to explain this to you again lol, if you want to end up paying out even more, having a CCJ on your credit file and possibly worse, you carry on mate.
There was NO damage to a third party even police letter states NO claims will be made to driver thus NO claim has been made to the insurance company at all so they have done nothing for a 3k fully comp insurance there is also NO claim on file to info next insuraure of
Original post by nevershear
You don't get it. You crashed the car. You were covered for any damage caused resulting from the crash regardless of whether you seek remuneration. You are legally obliged to report the accident to your insurer and thus, they have the right to claim your premium in full as it has served its' purpose.

If that was how insurance worked (crash, write your own car off and don't say a thing) then everyone would pay monthly and just cancel their policies if they have a one-way accident.

Not going to explain this to you again lol, if you want to end up paying out even more, having a CCJ on your credit file and possibly worse, you carry on mate.

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