My car isn't repairable/has been written-off, why am I being charged my remaining premium?

If you pay for your policy by monthly instalments, you remain liable for the outstanding balance. Our insurance premiums are paid in advance to cover a 12 month period, therefore you’ll need to keep paying for your policy until the end of the contract.

If your car has suffered a lot of damage or requires repairs that almost outweigh the value of the car, it won't be repairable and will be deemed a total loss or write-off.

Your settlement is usually calculated by deducting your policy excess from your car's valuation (please check your policy wording for any other deductions that may be applicable). If you wish to update the cover to an alternative car, you can do this online by logging into your Your Account or by giving our Customer Services team a call.

Any new car added to the policy will be subject to the insurer's standard underwriting and acceptability criteria.