When you set up an insurance policy with us, you agree to pay the full premium of your policy in return for the cover which we provide over a period of insurance. This means that when your claim is a total loss, you must pay the total premium shown on your policy schedule in full before we can settle your claim. If you're paying your premium by instalments, we'll deduct any unpaid instalments from your settlement payment. This also means that you won't receive any refund of your premium in the event of a total loss claim.
You can find out more about how you're covered in the 'How we will settle your claim section' of your policy document, under 'Your premium and policy when your claim is a total loss'.