Cancelling car insurance

[monty4012]

Has she got a leg to stand on?

I am writing on behalf of my sister, who recently requested to cancel her car insurance. The reason she had to cancel the insurance with the company was because they were unable to provide addition cover for her fiancé as he is not over 30 years old. My sister is heavily pregnant and is due mid August, hence the importance of her fiancé joining the car insurance, so they had no other choice but to go elsewhere.

She has been told that she has to pay over £200 in cost to cancel? She has been paying monthly and after this month’s deduction she has paid up to date. I respect the fact that she would have to pay for admin costs; and I would understand if she had no real reason for the cancelation; but why does she have to pay for a service that she is no longer going to be using because they were unable to provide the service she needed? How can they get away with this? It seems like legal robbery to me and it's just not fair!!

[Deb T]

Presumably there will have been terms and condtions attached to the policy and it should be set out re a cancellation charge. My car insurer charges me the equivalent of 1 months fee to cancel my insurance ( I pay it annually)

 

If you pay by installments it can sometimes work out more expensive when canncelling and if you cancel outside of the terms and conditions of the policy it can work out being quite a costly cancellation.

 

If your sister was already insured but then at a later date went on try and add her partner but the insurers were not prepared to do so under the condition you've quoted then your sister has no recourse against them whatsoever.