We’re sorry to hear your car has been written off. Hopefully you’re back on the road ASAP with some new wheels to get you around. Until then, you may be worried about your policy taking any more payments and are in a hurry to stop the payments.
There are two ways that cars can be deemed a total loss (written off): by Bingle, or by the other person’s insurer. Who is doing the writing off will determine what you need to do next.
1 - Total Loss by Bingle
If the vehicle has been written off by Bingle, you do not need to do anything. If you have New for Old cover, then we’ll organise the replacement and the policy will continue (more info about that can be found here). If you don’t have New for Old cover, when your claim is settled, Bingle will organise for your policy to be cancelled. If you pay monthly, any remaining debits left owing are deducted from the final settlement, so if any other payments are taken before the cancellation occurs, these will simply be applied against the deduction. More information about this can be found in our Comprehensive Car Insurance PDS on Page 16 under the heading When your car is a total loss.
2 - Total Loss by another insurer
If your car has been involved in an accident and your car was assessed and deemed to be a total loss through the other party’s insurance, they do not notify us of this. It is important that you process the insurance policy cancellation yourself. This car be done via Bingle Self-Service here.
Alternatively, if you’ve already got a new car, you can swap it out here.
I’ve scrapped my car
You may also decide that your car is no longer worth keeping and you decide to scrap it. Cancelling the registration does not cancel the Comprehensive or Third Party insurance policy, so you will need to cancel the policy. This can be done via Bingle Self-Service. For instructions on how to do this, check out 'How do I cancel my policy?'.