Reimbursement of Motor Liability Insurance for Failure to Take Advantage of the Coverage


Given the problems and the ongoing maintenance costs, I’m thinking of scraping my car and buying a new one: however, there are still six months to the expiry of the car insurance policy and I would not throw away the money.

Is it possible to request a refund for the period not enjoyed by the coverage?

Is it possible to request a refund for the period not enjoyed by the coverage?


The only three cases for which it is possible to obtain the reimbursement of the car insurance policy, before the natural expiry of the contract, are three: we are obviously talking about the sale, scrapping and theft of the vehicle.

Only the occurrence of these circumstances, in fact, allows you to obtain the free rescission and the recovery of the premium paid but not enjoyed, provided that the insured does not intend to transfer the policy on another machine.

The request for reimbursement of the Rc auto insurance policy in the event of sale of the car must be done by handing over to the insurance company the transfer of ownership of the car, which proves that it no longer has the vehicle available, and also returns the certificate and the mark of the car.

At the same time, the company proceeds to reimburse the remaining part of the premium, while retaining the fee for taxes and fees and contributions paid to the National Health Service.

In the event of a scrapping of the vehicle, the procedure is more or less the same, except that instead of the transfer of ownership, the demolition certificate issued by the company responsible for disposal must be delivered. The insurance company calculates the portion of the unused car premium from the day following the date of the certificate.

A little different, however, the procedure if you request the reimbursement of the Rc car due to the theft of the car.

In this unfortunate case the document to be presented to your insurance is the complaint with the Police Forces, and the period included in the reimbursement goes from the day following the report of the theft to the expiry date of the policy.

Unfortunately, the amount of which you can ask for the return is only and exclusively that of the Rc car, while those who have signed the optional guarantee on theft and fire has no right to any reimbursement on the latter and is required to pay any fees missing until the contract expires.

Finally, remember that those who want to take out a new car insurance policy after having rescinded from the previous one, must start again from the fourteenth class of merit, that of the novice drivers.




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