If you are planning to cancel your policy you may lose out as you may lose that years no claims bonus and not recive any refund due to the high points virgin car insurance refund policy. You can normally find a sliding scale of what you would recieve back as a refund. You may find this disapointing in most cases.
One way to get lower car insurance is to buy a car that belongs to one of the lower insurance groups. These are norammly vehicles with a lower engine size and basic equipment and cheaper to repair in the case of an accident.
If you are involved in an accident with an uninsured driver you should take their details, car registration and model and contact the police immediately.
