Excess Recovery/Refund after Cancelling Policy

[Ms AskALot]

So we decided to use my car for Taxify and my then insurer told me they don't provide cover for passenger carrying vehicles.

Unfortunately, while looking for business insurance elsewhere, we had an accident and had to claim. The claim was handled and the third party admitted fault, so insurer said they will refund my excess once recovered.

Ofcourse, once the vehicle was repaired, we continued so sign up for taxify, which meant we had to cancel the policy we had just claimed on, and get the business insurance elsewhere. So what I'd like to know is, since we cancelled the policy before the excess was completely recovered, will the previous insurer still recover and refund our excess?

 

[ToxicBunny]

So we decided to use my car for Taxify and my then insurer told me they don't provide cover for passenger carrying vehicles.

Unfortunately, while looking for business insurance elsewhere, we had an accident and had to claim. The claim was handled and the third party admitted fault, so insurer said they will refund my excess once recovered.

Ofcourse, once the vehicle was repaired, we continued so sign up for taxify, which meant we had to cancel the policy we had just claimed on, and get the business insurance elsewhere. So what I'd like to know is, since we cancelled the policy before the excess was completely recovered, will the previous insurer still recover and refund our excess?

Probably not..

in 3 accidents that I've had, I've only ever had the excess recovered once.. and that was purely because 1 of the accidents was on my property between my car and my girlfriends....

 

[HibiscusTunes]

I have had insurance excess recovered 3 years after the incident, and that was a year after I moved insurers.

 

[SauRoNZA]

Probably not..

in 3 accidents that I've had, I've only ever had the excess recovered once.. and that was purely because 1 of the accidents was on my property between my car and my girlfriends....

Oh COME ON...you simply cannot stop the story there.

Where are the details?

 

[ToxicBunny]

Oh COME ON...you simply cannot stop the story there.

Where are the details?

She parked like a douchenozzle (in a different place to where she normally does), I reversed my bakkie out the garage and pretty much fscked up the entire side of her Corsa.... and maybe dented my rear bullbar a little bit.

 

[SauRoNZA]

She parked like a douchenozzle (in a different place to where she normally does), I reversed my bakkie out the garage and pretty much fscked up the entire side of her Corsa.... and maybe dented my rear bullbar a little bit.

Damn I was hoping for more spice.

So just a case of not looking and making assumption on the norm?

Sounds like my mate who reversed his Land Cruiser into his own bike for doing much the same and changing the regular habit.

 

[ToxicBunny]

Damn I was hoping for more spice.

So just a case of not looking and making assumption on the norm?

Sounds like my mate who reversed his Land Cruiser into his own bike for doing much the same and changing the regular habit.

Pretty much..

Was bollocks funny to see how screwed up her car was, and how my rear bull bar was merely a little bent and dented...

 

[Ms AskALot]

I have had insurance excess recovered 3 years after the incident, and that was a year after I moved insurers.

Wow really? And you didn't have to put up a fight or anything?