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    • sdon25
    • By sdon25 9th Sep 17, 11:11 AM
    • 10Posts
    • 2Thanks
    sdon25
    Void Insurance
    • #1
    • 9th Sep 17, 11:11 AM
    Void Insurance 9th Sep 17 at 11:11 AM
    Hi All,

    I am looking for some advice on taking out a new insurance policy after having my last policy declared void. I made a claim on my insurance after my car was stolen, but I didn't realise I had my mother on my policy who had previously been banned for drink driving. The insurance was void and I wasn't paid out for the claim.
    Now that I am looking for a new policy, I know that I need to declare that I have had void insurance in the past, but do I need to tell new insurance companies that I have made a claim? Does it still count as a claim or not because the insurance was void? Also, I had 4 years no claims bonus and not sure if I still have it. I have done a few quotes on comparison sites ticking the boxes for void insurance and a claim made in the last 5 years and I cant afford any of them!

    Any advice is much appreciated!

    Thanks
Page 1
    • Quentin
    • By Quentin 9th Sep 17, 11:43 AM
    • 33,289 Posts
    • 17,213 Thanks
    Quentin
    • #2
    • 9th Sep 17, 11:43 AM
    • #2
    • 9th Sep 17, 11:43 AM
    Yes the loss will need to be disclosed.


    When giving your history you are asked about claims/losses/incidents that could have lead to a claim, or similar wording.


    You will find it hard to find off the peg online insurers prepared to quote you with a void policy in your history.


    If so, see if a local broker (not Swinton) can help, or google for insurance with previously void policy for some specialist brokers
    • dunstonh
    • By dunstonh 9th Sep 17, 12:24 PM
    • 89,600 Posts
    • 56,083 Thanks
    dunstonh
    • #3
    • 9th Sep 17, 12:24 PM
    • #3
    • 9th Sep 17, 12:24 PM
    I have done a few quotes on comparison sites ticking the boxes for void insurance and a claim made in the last 5 years and I cant afford any of them!
    You have the worst combination of events. You have a void policy due to non-disclosure and you have a refused claim because of the non-disclosure.

    You may need to forget comparison sites and try a local broker. Comparison sites are priced to accept the mass market. You are no longer in the mass market. You will probably need a specialist company to reflect the very high risk you are perceived to be for the rest of your life.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • sdon25
    • By sdon25 9th Sep 17, 7:42 PM
    • 10 Posts
    • 2 Thanks
    sdon25
    • #4
    • 9th Sep 17, 7:42 PM
    • #4
    • 9th Sep 17, 7:42 PM
    Thanks, ill have a look somewhere local. Whats wrong with Swinton?
    • Quentin
    • By Quentin 9th Sep 17, 8:42 PM
    • 33,289 Posts
    • 17,213 Thanks
    Quentin
    • #5
    • 9th Sep 17, 8:42 PM
    • #5
    • 9th Sep 17, 8:42 PM
    Do a search for their reviews online and you'll get a good idea
    • forgotmyname
    • By forgotmyname 9th Sep 17, 9:42 PM
    • 26,049 Posts
    • 10,384 Thanks
    forgotmyname
    • #6
    • 9th Sep 17, 9:42 PM
    • #6
    • 9th Sep 17, 9:42 PM
    Swinton sent me someone elses insurance paperwork. They lived on the same road but way down the other end and no matching numbers and took the insurance for a new property they moved to.

    I was not a customer either so a total mess. I had their paperwork showing bank details, home and work phone numbers wages and job desciptions etc etc...

    They were quite shocked to get a call from me and had wondered where their paperwork had got to.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
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