Insurance for car change

[alan30]

My daughter is changing her car and her present insurer is very expensive for new car. She has 4 months left on current policy and they will not give a refund if she cancels as she had an windscreen chip repaired. They regard this as a claim albeit no cost and no effect on no claims bonus. Has anyone else heard of this?

[bednobs]

how do the insurance co. know she had a windscreen chip repaired then, if it was no cost to the insurance co., why tell them?

[JB]

Windscreen claims do not affect no claims bonus, and the fact that it was only a repair rather than a replacement means that your daughter did not have to pay an excess, but that does not mean that it has no cost. Your daughter's insurer will certainly have had to pay for the cost of the repair, so there has been a claim under the policy. She could offer to reimburse the insurer for the cost of the claim (probably less than �100 for repair bill) but tell her to bear in mind that many insurers operate short period cancellation rates anyway, so the refund (if any is due after 8 months) would not necessarily be proportionate to the annual premium. Hope that makes sense!

[alan30]

Many thanks to you both.