Surrender your Certificate of Motor Insurance

[Bubble1982]

I was wondering if someone on here know's more about this than me - and can help.

Just been through the usual motions with Admiral regarding the annual renewal that they send out. Turns out that this year they are a long way from being the cheapest so have gone with another provider and have agreed with Admiral that they will not renew the policy when the current one ends on 10 Jan 2015

They have directed me to a link to "Surrender your Certificate of Motor Insurance"

My concern is that doing this will surrender my current policy (which still has a couple of weeks to run) and leave me uninsured over the christmas period.

Has anyone been through this process before? Admiral aren't giving particularly straight or clear answers which is worrrying.

Clearly I just want to cancel the renewal certifacte they sent me, and leave the existing one in tact for the few days that it has to run! Am sure it shouldn't be this complicated to do that! Bloody insurers!

 

[jamesditchy]

Hi

I wouldn't know the legalities of this but surely if your policy payments are up to date the certificate is yours. It is the proof if your purchase.

The certificates themselves are of pretty worthless now as everything is checked via computer and the likes of ANPR so in effect, even though you posess the certificate you may still be uninsured if they cancel it at their end.

I have renewed 3 motor policies in the last couple of months. Changed provider with them all and havnt been asked to return any of the old certificates. I would say you need to speak to the insurers again and make sure your policy will stay in force until the end of its term. After all that's what you have paid for.

 

[Bubble1982]

Hi

I wouldn't know the legalities of this but surely if your policy payments are up to date the certificate is yours. It is the proof if your purchase.

The certificates themselves are of pretty worthless now as everything is checked via computer and the likes of ANPR so in effect, even though you posess the certificate you may still be uninsured if they cancel it at their end.

I have renewed 3 motor policies in the last couple of months. Changed provider with them all and havnt been asked to return any of the old certificates. I would say you need to speak to the insurers again and make sure your policy will stay in force until the end of its term. After all that's what you have paid for.

Thanks for your thoughts James. Turns out it is all done online using this link: https://secure.admiral.com/surrender-certificate/

It's the wording at the bottom that scares me! This is the same form they use for a genuine cancellation of the current policy (e.g. if you sell your car)

There is no way for me to enter into this form any details specific to next years policy. Both the renewal certificate they sent me and the current "in force" certificate have the same number.

Cath 22 this - if I fill out the form I may be uninsured, if I don't they'll force through a renewal payment and I'll have to go through the hassle of claiming it back.

 

[gannet]

how would the renewal be paid? if credit card - tell the card company to block a payment to them. If recurring direct debit, simply cancel the instruction at your bank...

 

[domsz4]

ive had it before where i have had to send documentation back or the renewal to the new people. personally in your case i would cancel your direct debt and then do the link at the end of the policy. also i would phone them again and get them to confirm that you have instructed them to stop.

i cant imagine that if you would be without insurance but better safe than sorry and if they cant take the cash then you wont be out of pocket.

 

[domsz4]

seems like the form has a date on it anyway so click the cancellation box and enter the day you want it to stop


from their site.

"I confirm that the policy to which the certificate relates has ceased to have effect as from the date and time below."

 

[A1GSS]

^indeed.

Don't agree to surrender anything until after it's expired.

 

[sp3ctre]

seems like the form has a date on it anyway so click the cancellation box and enter the day you want it to stop


from their site.

"I confirm that the policy to which the certificate relates has ceased to have effect as from the date and time below."

Correct, just enter the correct date and you'll be ok

 

[Bubble1982]

seems like the form has a date on it anyway so click the cancellation box and enter the day you want it to stop


from their site.

"I confirm that the policy to which the certificate relates has ceased to have effect as from the date and time below."

Correct, just enter the correct date and you'll be ok

I was thinking that - but you can't enter a date in the future.

I think I'll just hold fire until one day before expiry and then fill this thing out. (Or the receipt of confirmation in writing that filling out this form won't leave me uninsured - have emailed them)

thanks for all the helpful suggestions folks.

 

[Dewi]

how would the renewal be paid? if credit card - tell the card company to block a payment to them. If recurring direct debit, simply cancel the instruction at your bank...

This what I'd do. I never get my insurance for car or anything else by a recurring DD or authorised use of my card for renewal. I've always been asked if I wish to do this and my answer is always, "no"