hi, i hope i've got this in the correct section, my son had an accident last week and is in the process of going through the claim, the other driver came out of a side road and hit him in the left side wing so it should be a straight forward not at fault claim, the question is about the 6 months or so remaining on his insurance, i thought we would be able to have the insurance froze until the claim is sorted out and he gets another car and then use the insurance on the new car, the insurance company say he cant do this and the insurance policy will keep running until the claim has been sorted. maybe i'm missing something but i dont understand why, if the claim took 6 months to sort out it means hes lost the remaining 6 months he has left on his insurance, an amount that comes to near £900 (his grandmother paid almost £1800 for his years insurance).

hopefully someone can add a little light on this for me.

many thanks

Hi

Yes Insurance is a 12 month contract. Following a claim the policy cover will be frozen and he can then use any remaining cover to Insure the new car he buys. Obviously the Insurers will calculate any adjustment in premium at the time the policy change is made.

This is the standard way these things work and always has been. Perhaps if he speaks to someone at the Insurance company who knows what they are talking about, they will confirm this.

Huckster

I agree with Huckster. Are you saying the car is un-driveable until the repairs are carried out? If so then if it is non-fault then your son should be looking into getting a hire car. Typically a claim shouldn't take 6 months to sort out, as long as you keep on the ball and keep the insurers on their toes.