There are a couple of reasons we might ask you to pay your full premium if you cancel or we ask you to leave part-way through. These are standard practice for all insurers.
1. You've had a claim that was settled as your fault
When you make a claim, it means you've benefited from your insurance, either through a claim payout, repairs being made or costs for third-party damage.
We therefore consider the cover 'used', so the full cost for the year's insurance needs to be paid.
2. You have an unsettled claim
If you made a claim that's unsettled, it means we still need to investigate before it can be settled.
While it's unsettled, we have to count it as a 'fault' claim because we can't recover the costs yet. That means you'll need to pay the full cost for the year's insurance.
If you pay monthly, your direct debit payments need to continue until the full premium is paid. If we later settle the claim as 'non-fault', we'll calculate your refund from your cancellation date and reinstate any No Claims Discount (NCD) you're due.
If we issued a refund when you cancelled but a claim later makes it invalid, we'll try to reclaim that amount using the card we have on record. If we can't reclaim it, the outstanding balance may be deducted from any total-loss settlement, or repairs may not go ahead until it's paid.