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As those of us who have already been stung will know, most insurers charge a cancellation fee if you end your policy before the full term.

 

However, I thought that penalty fees were illegal and the admin charge could only reflect their true costs.

 

In addition, my insurer is refusing to give me my No Claims certificiate until I pay their penalty fee; surely they are obliged to supply my No Claims certificate and cannot hold it to ransom, like this or make conditions as to its provision? I cannot insure my car with another company without the No Claims certificate.

 

I'd really appreciate other's views on these matters.

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It is all a con i had a total loss on a van policy 6 weeks into the years cover

(fire wile driving along)

 

i had to pay for the full insurance as made a claim

 

they would not cover me on a car so had to cancel policy to release NCB and pay cancellation fee

 

have taken a new policy out for a car vans too expensive

 

still waiting for insurance to pay out


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Totally agree, it is a con. Sorry to hear about your problems, I hate bailiffs.

 

I didn't claim on my insurance, just changed my car because the old one was irreparable (due to old age and mechanical failure, it was not worth repairing). Still had 7 months to run on insurance. Insurance company refunded the unused amount but the broker is adding penalty fees which exceed their actual costs. Can't even insure the new car as they refuse to supply the No Claims certificate.

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