Hello, Thank you for your reply. It has been helpful. What then happens to my no claims? I asked E-sure for written clarification as, on the telephone, they advised that I would probably lose 2 years of my no claims bonus. The letter I received stated that "I was entitled to 5 years no claims bonus at the time of cancelling my policy". What do I tell a new insurer then? The other thing that mystifies me is that FSA regulations state, ".....your insurer has the right to cancel a policy by giving seven days written notice. If this is the case they must refund any premium paid, minus the cost of insuring you while the policy was in force. For example, if you had paid the full annual premium of £500, but they decided to cancel your policy after just six months, you may entitled to £250 refund....." Have E-sure not flown in the face of this? I don't understand how they are entitled to keep a full years premiums for a service that has only been made available for 3 months. If you held a yearly bus ticket and the bus service was withdrawn after 3 months, you'd expect a refund surely. Yes, I had an accident but that's why you have insurance. Am I being unreasonable?

Hello, E-sure cancelled my car insurance policy after a recent accident. I bumped into the back on the vehicle in front about 50m after setting off from traffic lights. My vehicle was deemed a write off / total loss despite being valued considerably more than the repair cost and I was not given the chance to contest the decision. I later found out that it was a category D write off and told by the customer assistant that they'd likely sell my vehicle on. I asked for a copy of the damage report on my vehicle from E-sure and after the telephone assistant spoke to the supervisor I was denied this, despite E-sure having chosen the repairer who gave the estimate and the vehicle being legally mine. I was told that the policy was being cancelled because the vehicle was "no longer in an insurable condition". I was also told that I WOULD NOT receive a refund on paid premiums. I'd paid for 12 months and had 3 when the accident occurred. The extra hire car cover I had taken on my policy was a joke. Now that I have to acknowledge that I've had a cancelled policy my premiums have doubled. If I had been given the option to have the car repaired ( I had a discussion with the valuation engineer technician about this but was not given any say) I would have got my remaining 9 months worth of insurance that I'd paid for and my premiums would have increased but certainly not doubled. To say that I feel aggrieved is an understatement. I've been subjected to having my vehicle declared a total loss against my wishes and also a refund that I think I should be entitled to denied. My premiums and history are now shot to bits. What is the point of insurance? My vehicle had no modifications in any shape or form. Bog standard first time accident at a slow speed. Dangerously, the policy booklet is highly inadequate. Throughout my discussions on telephone I was consistently referred to the "total loss" (Section 5 element of the booklet). It spells out how the process works but nowhere mentions the fact that as a fully comprehensive driver you are no longer covered 3rd party to drive another vehicle. That little nugget is hidden in tiny small print on the bottom of the actual certificate of insurance. Surely this should be included in the Total Loss segment of the policy booklet? I have just written to E-sure and will also be writing to the Ombudsman. The FSA regulations regarding insurance policy cancellations appear to have been broken by E-sure and I am keen to seek my refund and compensation. Grateful for any advice. Thanks,