My car was written off in a no-fault accident - should I get reimbursed for the remainder of the policy?

I had a no-fault accident which meant my car was written off and the insurers paid me a final settlement to cover the market value of the car. There were nine months of the policy left - should I also be reimbursed for the remainder? And does the insurer have the right to judge me as a more risky driver in future?

Asked on 26 November 2018 by ALAN THOMAS

Answered by Tim Kelly
If the incident was "non-fault" your policy should continue to run, or you should be reimbursed the for the remainder. Insurers will argue that the very point of being involved in an incident, means you are more likely to claim again in the future. I have yet to see any evidence of this by an insurer. If your premium increases as a result of this claim, pursue the increased cost for what it will be for the next six years from the at-fault insurer.
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