A couple of months ago I was in a no fault accident that wrote my car off, I contacted my insurance company and told them about the accident. I was assured that as long as it wasn't my fault my no claims or premium wouldn't be affected. I was made to feel like claiming for the damage was the right thing to do.
In the end the car was written off as it was deemed not worth repairing and I was awarded a £200 payout.
When I then attempted to cancel the insurance I was told I couldn't yet as the claim had not been closed by the underwriter. I left it for a month and continued to pay my premium. Today I was in touch with them again to close the policy and was told I would need to pay a full £600 as I have been paying monthly and would need to pay for the remainder of the year. Is this legal?
(At no point during the process was I told that this would be the case, the whole time I was made to feel like I was doing the right thing and I now very much feel like I have been conned into giving them more money. I would have been far better off to scrap the car myself, get scrap value and have just canceled the insurance!)