Morris Minor Owners Club

having killed my mg to such a point that it is going to be scrapped, can i get a refund on my insurance, its been only 3 months i have had the insurance, so i am presuming (heavily) that i could get a refund for the remaining 9month or so. is this right?

You are right in assuming you'll get a refund but it will probably only be a small percentage of the premium, and you might have to wait for up to sixty days for your insurance company to cough up.

fudge, was kinda hoping it might of been abit more, could probably with a heated rear screen for primrose, maybe even a gearbox rebuild, its sounding a bit crunchy

ring em and ask!

that the plan, once the bank of dad is back from holiday

Not all will offer a refund!
For those that do, it will be pro-rata on remaining months or mileage (if it was a limited mileage policy) minus an admin fee.
If they say you can't have a refund, please do check it and hassle about it - I was once refused a refund, despite having placed this as a pre-requisite to taking out the policy (I insured a car I was trying to sell). I had to quote consumer law back to them about miss-selling before they gave me what I should have had in the first place (although the cheque took 60 days)

Do be prepared to wait, and also remember to chase it! On my other refund (for a wrongly sold policy that was cancelled in the first week as it wasn't valid) I had to hassle them for 5 months. I sent my certificate back recorded delivery as I didn't trust them - despite a delivery receipt they said I had not sent it! They insisted that I fill in forms stating that I had lost the certificate, and then they still didn't send a refund until I contacted the insurance ombudsman.

"pro-rata", I don't think so, not for a regular insurance anyway, with that the first day or week or month is very dangerous so they charge a lot more for it.
Somehow you get safer as time goes by.

Actually, under recently introduced European legislation if you are charged an annual fee for a non-contractual product (which car insurance is) the company concerned are obliged to provide an appropriate pro-rata refund. They are still allows to charge admin fees though

Nice one Europe!
Insurance companies do well enough already, I always rated their refund policies as a stitch up.

i have been with ADRIAN FLUX on three classic car policys and when i told them i had sold the cars they refused to give me any refund and say thats how the policy works and no refund given even after cancelling after 8 weeks

irmscher wrote:i have been with ADRIAN FLUX on three classic car policys and when i told them i had sold the cars they refused to give me any refund and say thats how the policy works and no refund given even after cancelling after 8 weeks

I had that reply from Heritage a few years back, so I reported them to the Insurance ombudsman and eneded up getting a refund less the admin costs.