well had a phone call with the insurance tonight
regarding a conviction i had on my insurance
so first called and got a foreigner couldnt understand a word i was saying, asked to be put through to customer services and got put through to claims,
got through to a english girl that was more than helpful
my conviction is due off my insurance on 06/05/12 thats me had it 5 years
so my question was when this comes off will my insurance go down?
they said not until my renewal which is in feb 2013, i have basically been paying double insurance for 5 years and they wont let me take it off till renewal, which i think is crap
so i thought of cancelling and taking out a new policy, they said i could do that theres no harm in doing so, but wouldnt recommend it
so basically i pay £200 a month which is £2400 a year
to cancel the policy its £47
for a new policy without my conviction ITS £736 A YEAR
so thats what i am going to do
my questions to you all is
i am due to pay a payment of £200 on the 03/05/12
so if i cancel the policy before the 3rd will i have to pay this installment??
do i pay insurance for the previous month or is it advance payments??
sorry for the long speel but i am confused