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  • FIRST POST
    • Deanosfc
    • By Deanosfc 8th Jul 17, 3:59 PM
    • 1Posts
    • 0Thanks
    Deanosfc
    Declaring my insurance was cancelled.
    • #1
    • 8th Jul 17, 3:59 PM
    Declaring my insurance was cancelled. 8th Jul 17 at 3:59 PM
    Basically my insurance got cancelled because, I stupidly forgot to take a picture of my current miles on the vehicle. This was on my truck, so therefor commercial insurance. If I want to insure a car or a motorbike will I still have to declare that my truck insurance got cancelled?
Page 1
    • Quentin
    • By Quentin 8th Jul 17, 4:16 PM
    • 33,267 Posts
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    Quentin
    • #2
    • 8th Jul 17, 4:16 PM
    • #2
    • 8th Jul 17, 4:16 PM
    Depends on the question you are asked.

    Normally it's along the lines of have you or anyone to be covered ever had an insurance policy cancelled
    • neilmcl
    • By neilmcl 8th Jul 17, 5:25 PM
    • 10,233 Posts
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    neilmcl
    • #3
    • 8th Jul 17, 5:25 PM
    • #3
    • 8th Jul 17, 5:25 PM
    Was the insurance in your name or a company's?
    • Tarambor
    • By Tarambor 9th Jul 17, 6:51 PM
    • 1,585 Posts
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    Tarambor
    • #4
    • 9th Jul 17, 6:51 PM
    • #4
    • 9th Jul 17, 6:51 PM
    Yes you do unless the truck was insured in the name of a Ltd Company which is legally a separate entity to you. And don't think that if you don't they won't find out because it will be recorded on the Motor Insurance Database and not declaring it when applying for insurance is fraud that at best sees yet another policy cancelled and at worst sees you getting 6 points for no insurance or getting a knock on the door from the police to question you about fraud.

    And don't think they won't.
    Last edited by Tarambor; 09-07-2017 at 6:53 PM.
    • patman99
    • By patman99 9th Jul 17, 11:05 PM
    • 8,097 Posts
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    patman99
    • #5
    • 9th Jul 17, 11:05 PM
    • #5
    • 9th Jul 17, 11:05 PM
    I never knew that some insurers were so petty as to require a photo of the vehicle mileage.
    Do they not know how easy it is to take such an image?.

    As has been said, you should declare it. Having said that, have you phoned your car insurer to ask them?. Might be worth it as they might consider not photographing your mileage to be a petty excuse to cancel a policy.
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    • Tiners
    • By Tiners 10th Jul 17, 8:11 AM
    • 223 Posts
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    Tiners
    • #6
    • 10th Jul 17, 8:11 AM
    • #6
    • 10th Jul 17, 8:11 AM
    Surely there must be genuine (i.e. non-fraudulent) reasons for insurance policies getting cancelled?
    Such as a mix up with Direct Debits?

    There must surely be some discretion on the insurance database with regards to previously cancelled policies, or are all customers with a previously cancelled policy automatically regarded as villainous fraudsters?

    In this case why did your insurer initially activate the policy if they hadn't satisfactorily received all the info they required from you? And didn't they send you any reminders to provide that info?

    Might be worth getting in touch with the insurance ombudsman if it is going to prove to be an issue getting further insurance.
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