ok so thinking of rebuilding the car. we paid 1500 quid for insurance out right a few months ago...

 

one plan was to cancel it and even though i will get charged for cancelling i.e fees and administration charge whatever money i do get left can go to the car rebuild fund.

 

looking at insurances it seems some allow you to refund money after fees and charges...

 

 

looks like diamond don't do this... where do i stand on this?

 

it seems there site policy says fees and charges (after the 14 day cool off) will be charged however it also is written in a way that says "no refunds whatsoever"

 

how would this stand? i'm presuming it would look better to have my car declared broken and in need of repair for my argument?

 

obviously if i have taken the car off the road to fix it myself this is my own fault and not diamonds.

 

but lets say i acidently :rolleyes: fail an MOT and ring diamond after SORNing my car... would that hold up better for an refund excuse?

 

any help greatly appreciated :bow:

I cannot see why they will not give you the remander of your money.

 

But fook me £1500 how old are you??

23. fully comp with diamond.... unfortunately that is inclusive of my wifes 10 years no claim

Insurers will sometimes put a policy 'on hold' if YOU cannot drive it , then you could start it again after rebuild.

hmmmm. i did also think this but it may take me a year or more.

 

if they do not offer to hold it and i cannot use their service then would i have an argument in court? surely if i am not using a product i should not be paying it?

or i could say to diamond i am selling it... no negotiations needed then

have you actually rang them and asked? It seems highly unusual that they would not give you a refund?

no i have not asked yet as only made decision to take car off road to rebuild today. just deciding on if i should do it before tax running out in two days or before MOT on end of july

might aswell do it earlier i guess and use the money :-)