Voided Car Insurance - How Does It Affect Named Driver?

BobbyS_2

Hi, I am in need of some advice.

I am the named driver on a motor insurance policy which has been voided due to non disclosure of a material fact.

The policy is not in my name, but I on there as a named driver. How does this affect me? Do I now also have a voided policy in my insurance history?

Also, how do you declare a historical voided policy to future insurers? Is it just a case if ticking the "Have you ever had a policy cancelled, voided or special terms applied?" box, or do you have to call them and give them specific details?

Has anyone been in this predicament and how hard is it really to get motor insurance with a voided policy in their history?

Is it really true that this must be declared forever?

Thanks in advance.

Quentin

If you were a named driver on someone elses policy, then it being cancelled is not your problem.

You don't have to mention it to anyone.

If you were to include the policyholder who has had this cancellation on your policy as a named driver then that would have to be disclosed.

A cancelled policy does remain on the policyholders record for ever more.

BobbyS_2

Are you sure about this part...

"If you were to include the policyholder who has had this cancellation on your policy as a named driver then that would have to be disclosed."

Every price comparison site I have looked at do not ask the "Have you ever had a policy cancelled, voided or special terms applied?" question about the named driver.

Quentin

Nevertheless its true!

When you add a named driver then you either get a direct question about them ever having had a policy cancelled, or you as policyholder have to agree an assumption on the lines of "neither you nor any named persons have ever had a policy cancelled etc"

benjus

Sorry to go off topic a little, but that doesn't apply if your circumstances change, you notify the insurer of the change and they decide not to offer cover for the new circumstances and so cancel the policy - right?

This happened to me (regarding home insurance) and I was worried I'd have to disclose it for evermore.

Quentin

To some extent it depends on the circs. What changed that they didn't like?

InsideInsurance

benjus wrote: »

Sorry to go off topic a little, but that doesn't apply if your circumstances change, you notify the insurer of the change and they decide not to offer cover for the new circumstances and so cancel the policy - right?

This happened to me (regarding home insurance) and I was worried I'd have to disclose it for evermore.

No, normally you'd then cancel it because they arent willing to provide terms. So you phone up saying you've sold you Mini and bought a brand new Bentley, they say "sorry, cant cover it", you say "then cancel the policy please".

Now, if its not a change in circumstances but you having failed to declare something (eg 8 claims you made last year) then they will probably cancel the policy for non-disclosure rather than allowing you to cancel it because they'd not be willing to take on someone with so many recent claims

benjus

It was a landlord's building insurance policy. The tenants abandoned the property, leave it unoccupied (I did things by the book, getting a court possession order rather than just assuming they'd gone for good). The insurer didn't want to cover an unoccupied property.

It was done through a broker - the broker just told me that they couldn't cover me and had cancelled the policy. Of course, he could have meant that he (the broker) had cancelled on my behalf.