Unfortunately we cannot renew your motor insurance for the coming year.

Wyndham

I thought that for motor insurance your last insurer HAD to offer you a renewal, even if it was an a extortionate rate, as it is illegal not to have car insurance. So, drunk drivers who have killed people but get their licence back have to be offered insurance with whoever offered it previously.

OP - this sounds very, very strange. You need to talk to the insurance company.

Quentin

Wyndham wrote: »

I thought that for motor insurance your last insurer HAD to offer you a renewal, even if it was an a extortionate rate, as it is illegal not to have car insurance. So, drunk drivers who have killed people but get their licence back have to be offered insurance with whoever offered it previously.......

Not true. .

Wyndham

Quentin wrote: »

Not true. .

Hmmm.... I'm obviously out of date then as it did used to be true, but it's a long time since I worked in the industry.

dacouch

Wyndham wrote: »

Hmmm.... I'm obviously out of date then as it did used to be true, but it's a long time since I worked in the industry.

I don't recall that ever being true

raskazz

dacouch wrote: »

I don't recall that ever being true

Because I am slightly sad and it rung a bell, I have dug out my old CII stuff. I quote (although this is from 2008):

"Problems can arise where, for example, an insurer justifiably avoids a policy but the policyholder is then unable to arrange cover elsewhere as the risk is deemed to be unacceptable by the rest of the market.

To ensure that motorists in such circumstances are not prevented from arranging insurance cover there is an informal market agreement that, in the event of the market being unable to offer future cover, the risk will be reconsidered by the "last" insurer, who will be obliged to offer terms. This is sometimes referred to as the Declined Cases Agreement, although this prceise term has fallen into disuse somewhat".

In years of specialist motor insurance, including some extremely shall we say "non-standard" risks, I have never seen this in action.

I imagine that if I were ever in such a position, I would offer it at £50,000 for RTA cover with a £50,000 TP excess or such like.

dacouch

raskazz wrote: »

Because I am slightly sad and it rung a bell, I have dug out my old CII stuff. I quote (although this is from 2008):

"Problems can arise where, for example, an insurer justifiably avoids a policy but the policyholder is then unable to arrange cover elsewhere as the risk is deemed to be unacceptable by the rest of the market.

To ensure that motorists in such circumstances are not prevented from arranging insurance cover there is an informal market agreement that, in the event of the market being unable to offer future cover, the risk will be reconsidered by the "last" insurer, who will be obliged to offer terms. This is sometimes referred to as the Declined Cases Agreement, although this prceise term has fallen into disuse somewhat".

In years of specialist motor insurance, including some extremely shall we say "non-standard" risks, I have never seen this in action.

I imagine that if I were ever in such a position, I would offer it at £50,000 for RTA cover with a £50,000 TP excess or such like.

I recall that and have seen it in action a few times but the Insurers just simply refused to quote even taking the agreement into account as it was an informal agreement.

There used to be some nasty Insurers out there eg Pegasus

rs65

raskazz wrote: »

Because I am slightly sad and it rung a bell

.....

I imagine that if I were ever in such a position, I would offer it at £50,000 for RTA cover with a £50,000 TP excess or such like.

It rang a bell with me too and was definitely a market agreement.

The last insurer was obliged to offer cover and I only recall it in the case of drink driving offences. I can only recall RTA cover being offered so it was a few years ago. I wouldn't know if it still exists but would imagine many of today's insurers would dodge it if they could.

weejonnie

Pegasus were by no means the worst - mind you I can remember their proposal forms (grey?) being returned if you didn't put on a premium calculation (worked out by hand) and their 20% class C loading if the proposer came within 100 yards of a building site.

Personally I think Mitre were also pretty nasty - their standard reply to a theft claim was "On investigation we feel that your claim is unwarranted" - this was issued as a first attempt to throw out fraudulent claims but was viewed pretty badly in the market.

Of course they were cheap - and there are usually reasons why an insurance policy is cheap.

dacouch

weejonnie wrote: »

Pegasus were by no means the worst - mind you I can remember their proposal forms (grey?) being returned if you didn't put on a premium calculation (worked out by hand) and their 20% class C loading if the proposer came within 100 yards of a building site.

Personally I think Mitre were also pretty nasty - their standard reply to a theft claim was "On investigation we feel that your claim is unwarranted" - this was issued as a first attempt to throw out fraudulent claims but was viewed pretty badly in the market.

Of course they were cheap - and there are usually reasons why an insurance policy is cheap.

I forgot about Mitre!

Pegasus props were very light blue but would turn grey if stored for a while.

We were often invited on jollies down to Brentford with the Pegasus staff, their attitude to customers was shocking. Funnily enough I worked with Dave the main guy in CS some years later, luckily he had turned over a new leaf.

I remember the builders load very well.

Younger staff would not believe the old skool way of comparison sites was us getting the guides out and working the price out by calculator. That unless you knew what you were doing you would have to use every Insurers guide to find the best price.

Stopping the "knock for knock" agreements ended Pegasus

bobobins

Yoy say that you have changed jobs. Check swiftcovers T&C's as i know there are certain occupations that they will not provide cover to. My partner has been refused by them because of her occupation, hope this helps. FYI, my partner is also a nurse.