Me with car insurance again - they want me to pay the full year?? Can I claim back?

[VampiresWalkin]

Just had a letter that I think says that even if the car is written off I still have to finish paying the 12 months of insurance?????

"We note that you have chosen to pay your annual premium by monthly instalments and you should be aware that in the event of a claim against your policy, the Insurers do not issue any cancellation refund against the annual premium. This will mean that if you do not complete your monthly instalments, and you cancel the remaining payments, then the full annual premium becomes payable immediately."

Seriously - someone pulls out in front of me and writes of my car, I have to keep paying insurance for it until November???

Can I claim it back with all the solicitor stuff??

How the hell do I pay for insuring another car in the meantime???

Panicking a lot here. I don't even know if my car is written off yet, but it is worth so little, I can't see it making it.

Plus, is this standard practice, or do I need to name n shame the insurers?

of course you need to pay the full premium.

You took out an insurance policy to insure a car. That car has now been written off and thus you have used that insurance policy.

They will have paid out for your claim which is exactly what the insurance is for. This is standard practice (I worked for a large insurance company for three years).

If you are getting a new car then you can insure that car on your existing policy.

This is normal. You bought a years cover, and have chosen to pay in installments. That is different to buying a months cover each month, IYSWIM. You could buy insurance a month at a time, but IME that works out a lot more expensive than buying a year at a time.

If I can insure a new car on the existing policy then that is fine.

I'm sorry - I have never had to do this before and it is all scaring me as I am worried sick about paying for it all, when to my mind the whole concept of insurance was NOT having to worry about these things

I would assume that normally the policy switches to the replacement car.

I just want to be able to lay down and rest and not worry. I wanted to feel better by now, but I hurt and the pills are giving me nightmares.

and none of this is relevant