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My daughter's car was in a bad accident on February 7th 2914 I insured it for one year from October 2013 for approximately one year with Tesco Box Insurance , cost approx. £2,300. At the end of February I was informed it was written off I rang up the company and they said I could not suspend the insurance beyond the 12 month insurance date but could send a refund with admin fee of £85 and she would lose any no claim bonus . My daughter has not found any replacement car as yet and we are paying about £200 a month with "No car " If I cancel the insurance which I do not want to do am I liable to pay from the date of the accident 7.2.14 or from 1.3.14 the date the car was written off or can the insurance be extended beyond the year date Please could you let me know urgently . Thank you - my phone XXX XXXXXXX XXXX
I think you misunderstood the problem It is not straightforward . When I paid for the policy for one year period I had no idea that the car was to be written off . I do not really want to lose any no claims bonus and Bonus points built up on the Box . We are paying out insurance at £200 for a car that does not exist . If I cancel the insurance because my daughter is taking a long time to choose a replacement cat what rebate would I be entitled to - Tesco Box say I would only be entitled to the unexpired proportion from t o day's date - insurance is on line . Should I be entitled to a rebate from the date of the accident or from the date it was written off . it seems unfair to pay for a car from the date it was written off . The other party admitted guilt and paid for a replacement car . Thank you for your help
We definitely want a replacement car I have only a home computer being 74 and have to go out in a few minutes . Could you let me know ASAP It seems unfair to pay for car insurance when it was not driveable from the date of the accident . Do you agree ?
Thank you for your help . I have cancelled the Insurance with Tesco Box . They will refund about £1200 which is about half a year's premium but they will only do so when the other party agree legally ie it is a no fault claim . I Think this is very reasonable I have probably spent over 40hours on this accident . Insurance is a complicated subject
Best wishes Nigel XXXXX . MA ( Cantab ) ; FCA
Jo I have looked at your reply and thanked you please look at my response on 3 April at 1620hrs Please confirm you have received this - I am 74 and don't trust completely on line communication and technological wis kids . We are all so clever and yet a plane has disappeared from our skies ie MH 370 - I have been in Devon the last 2 days so apologise for the delay
I have replied to you E mail 15 minutes ago but it does not appear in my outbox. I am 74 but this on line technologically defeats me . Thank you for you help - I have sais satisfaction good but this has probably disappeared in the system !
Ps I have bought a VW car for Natasha today but will the premium I pay be penalised from the previous accident on 7.2.14 as it is not legally agreed yet as a fault claim although the insurance company say it is the other party's fault but the claim has not been fully settled ie expenses and possible injury , The claim for the car completely written off £1,700 was paid out in full to us with no excess deduction