Hi, About a month ago, I was hit by a 3rd Party driver (he switched lanes and turned into me)... He claimed it was my fault by saying I was in the bus lane. I pointed out to him that the bus lane was NOT operational (ie. I could use it). I wanted to point out that if I was a bus, would he have the same defence - decided not to. He did admit to 2 independant witnesses that it was in fact his fault (which is helpful, I hope...). I have made a claim against his insurance... and at the moment, I am going through the process of him admitting liability etc etc. In the meantime, my insurance company have decided to write my car off (fine). But they have also decided to cancel my insurance?! Which is a problem as I now am unable to drive anyone else's car (which was one of the reasons for me to get fully comp insurance). To rub salt into my wounds... they have just told me that I can NOT get a refund of my outstanding insurance as the car is a 'write off'. I had paid £442 for my insurance (10 months accelerator). This started on the 29/1/07. The insurance was cancelled on the 11/5/07... That is a good 8 months gap!! So what has happened? When I queried this, the lady on the phone had to ask her colleague on how it worked. She wasn't sure exactly and could NOT answer any of my questions as to why I am being penalised for something: 1. was not my fault. 2. never asked for. She passed me to the Lawyers (Albany Assistance), who thought I was asking about my Excess? And I explained it was NOT my excess, but the cost of my insurance. I have been told to write a letter to the Lawyers to claim this back (as they were a bit taken aback by the details)... I do, at the moment, have a hire car which is insured through the hire company (but I am going to have to check that, just in case). I have a number of questions... 1. Is this normal? The non-refund of insurance even when not my fault? 2. What can I do? 3. Has this happened to anyone else? 4. Any tips on how to proceed with this... I am going to be sending a letter ASAP. Thanks... ps. The insurance company... Bells (I wish I hadn't gone with them now...)