Insurance with points ?

Guest101

dacouch wrote: »

Of course insurance gets cancelled if you bounce a dd after thet've followed their processes and payment / full payment not received

Yes, but a single bounced DD wont cancel the insurance, they will attempt to contact the policy holder first.

Guest101

jennyn8545 wrote: »

Thanks for all the advice (aside from guest101 obviously)
I guess i will not even try to claim, just hope it turns up not wrote off.

The truth hurts sometimes...

shaun_from_Africa

jennyn8545 wrote: »

Thanks for all the advice (aside from guest101 obviously)
I guess i will not even try to claim, just hope it turns up not wrote off.

Claiming or not, you are still required to inform your insurers of the theft.
It's standard smallprint for any policy to state that you must tell the insurance company of any event that could lead to a claim or which may affect your fur=ture premiums, and having a car stolen certainly falls into this category.

notanewuser

shaun_from_Africa wrote: »

Claiming or not, you are still required to inform your insurers of the theft.
It's standard smallprint for any policy to state that you must tell the insurance company of any event that could lead to a claim or which may affect your fur=ture premiums, and having a car stolen certainly falls into this category.

The OP has little regard for the requirement for honesty in relation to insurance matters.

GAZ237

arcon5 wrote: »

I wasn't on about hiding it - more of the best way to deal with it going forward and making proper declarations to a new insurer. The point I was getting at was if the information was to be on the NCB certificate then a new insurer may see the new declarations and ask why they are not on the certificate for the previous company. If it's not then op could possibly cancel his current policy and start again and do things properly.

Op - even if you don't make a claim now, best to start a new policy with a new company for the new car rather than a continuation as if you had a fault accident the insurance company may decide to pay out the third party and ask you for damages.

Even if the OP starts again. Her history will still be there and the question, Have you had a policy cancelled will still be the same, along with, Have you had any convictions in the last 5 years.

The OP is up the creek without a paddle and I agree Guest 101 only said what I said. About commiting fraud.
This is not a slight bit of forgetfulness. Its blatant FRAUD, which has now come to bite the OP in the A ss.

Guest101 wrote: »

Yes, but a single bounced DD wont cancel the insurance, they will attempt to contact the policy holder first.

A single bounced DD will cancel a policy, but as you say they have to write to you and, off the top of my head give you 2 weeks notice in writing before cancelling.
So given the OP would probably of known about the insurance payment not going through, plus the letter.
They decided to continue driving and got caught. What a web they have woven and its all now coming apart.

artbaron

The declaration to the new insurance company will be one driving without insurance, one cancelled policy and one at-fault claim. Even if they don't query the claim, which they might, taking into account finance repayment on this car and the huge policy increase for future insurance, public transport might be your future.

Quentin

artbaron wrote: »

The declaration to the new insurance company will be one driving without insurance, one cancelled policy and one at-fault claim......

There won't be any "at-fault claim" to disclose if the OP doesn't make a "claim", just a "loss" to report.