My car has been written off but I haven't bought another one yet — what happens to the rest of my policy?
What should you do?
- Ask whether the policy ends after settlement or can be transferred to a replacement vehicle.
- Check any time limit for adding a replacement car.
- Ask what happens to instalments still due.
- Do not cancel a direct debit without first understanding what is contractually owed.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Get the insurer's explanation in writing if the position is unclear.
What happens to the remaining policy term, premium and any replacement vehicle can depend on the insurer’s terms and how the claim is settled. Ask the insurer what options apply before cancelling or arranging replacement cover.
Looking for car insurance?
Compare quotes from a range of participating insurance providers.
Click here to compare quotesPowered by Quotezone We are an introducer appointed representative of Seopa Ltd (FCA FRN: 313860). Seopa Ltd, trading as Quotezone, provides the insurance comparison service and we receive a commission for any policies purchased, at no cost to you. We do not offer financial advice.