It is possible that you want to cancel your car insurance in the UK and the question of how to cancel your car insurance comes up.
The need may arise either because you want to buy car insurance from a better insurance provider or because you no longer need one because you have sold your car.
It is important to know the correct way and necessary measures to cancel your car insurance in the UK. This is because incorrect cancellation of your insurance can result in certain penalties.
This article discusses how to cancel your car insurance in the UK, why you should inform your insurance provider before terminating your contract and when is the best time to terminate your insurance.
You must arm yourself with the knowledge of the best time to cancel car insurance. You can choose to go the rogue path and just choose to cancel your policy at any time or you can go the safe path.
When is the best time to cancel your car insurance?
It is often recommended that the best time to cancel your car insurance in the UK is when you have insured another insurance cover.
If you feel that your current insurance provider does not offer as much value as another insurance company you have found and you want to buy from the latter, you should cancel your current insurance after acquiring a new one.  For example, you can be offered car insurance coverage from Aviva and then you will see that Direct Line offers better services. It is only wise to terminate your agreement with Aviva after you have secured insurance from Direct Line.
Do not cancel your car insurance in the UK as you wish. Cancel when you have completely secured a new one.
The dangers of driving without insurance cover are not tasty and that is an important reason why you should not cancel your insurance until you have secured a new one.
The scenario above may not always be the case. It is possible that you have to cancel your car insurance because you just sold your car and do not need insurance for a while.
In this scenario, you do not have to insure a car insurance first. You can just keep canceling.
How to cancel car insurance in the UK
Can you cancel your insurance at any time? The answer is yes, especially if you can inform your insurance company in time.
We have outlined some basic steps you can take to cancel your car insurance in the UK:
- Make a call to your agent
- Go to your insurance provider
- Seek support and help from your new insurance company  Make a call to your insurance agent
Your insurance agent is the first person you should contact when questions about your insurance arise. He or she acts as an intermediary between you and the insurance market.
You are expected to use their expertise to inform your decisions about purchasing insurance, managing your insurance policies and general insurance needs.
Why you should call an insurance agent before canceling your car insurance in the UK
When contacting your insurance agent to terminate an insurance policy, they are expected to provide expert and professional advice on the benefits and potential dangers of canceling your car insurance policy.
They understand how the insurance industry works and can offer guidance for successful navigation through the insurance world.
By informing your agent of your desire to cancel and switch between insurance providers, he or she is expected to take you through the process.
If they think it's best for you to stick with your current insurance company, they would rather show you better ways to optimize and maximize your policy.
Contact your current Insurance Provider
Alternatively, you can choose to go through the process of terminating your insurance yourself or when your agent passes you on by contacting your insurance provider.
You can visit the insurance office and ask about their company's policies for cancellation of car insurance. They will be willing to give you a refund of your premium if you cancel your car insurance or switch to another provider, especially if you have paid for 6 months or annually. You will not receive a refund if you pay every month, except that you are ready to pay a huge penalty. When you visit your insurance provider, they provide you with the necessary documents and also create the process.
Make sure that when you visit your insurance provider, they would try to convince you to stick with them. This is normal because no company would sit and lay their hands while losing their customers.
It is inherent to try to retain your customers. Instead, it is recommended that you first talk to an agent as they would show some resilience when contacting your current insurance provider.
Seek support and help from your new insurance company
Seeking support and help from your new insurance company is another option to take when you need to cancel your car insurance.
Remember the answer we gave to the question when is the best time to cancel your car insurance?
We said that it is best to cancel your car insurance when you have insured another.
If you have secured a new car insurance, you can contact your new insurance company and seek their help to terminate your previous insurance contract.
They will often require you to enter your car insurance number and provide your signatory on a cancellation form.
Once you have agreed with your new insurance company, they begin the process of terminating with your previous insurance company. You no longer need to contact your previous insurance company.
The temptation to ignore terminating your insurance with your previous insurance company just because you already have a new one. That's not the right move.
It is important to notify your insurance provider that you want to cancel your car insurance. This is a move that must be based on the fact that you have secured a new insurance policy.
Failure to notify your insurance company of a cancellation will result in certain penalties.