QMH - Car written off but won't insure new one..

banarama

Hello,

I was involved in a no fault accident where the third party went into the rear of my car which resulted in my car being written off.

I have had 2 previous fault claims with quote me happy, after which they renewed my insurance.

I have a total of 2 fault claims and 1 no fault claim.

I've just bought a new car so need insurance ASAP,

but when I try and add a new car onto the policy it's declined, I've had an email of QMH saying they have checked my details and they don't see a problem for insuring me and it is probably an system error that's refusing me but they've forwarded the details onto someone else.

I have also been 'refused' a new insurance quote by QMH too, saying they are unable to insure me.

On their term it does say that they don't insure anyone with more than 1 claim, but as they have since already renewed my insurance (May 2014 ) since the last two fault claims (June/July 2013) I don't understand why I'm being refused insurance on a new car.
The only option is to cancel my insurance, but is that still classed as being refused insurance?

I've phoned them up but as it isn't related to a claim they can't help me. I've emailed but apparently there is a back log and they are usually very slow in replying.

What does anyone think of this?

I've been without a car now for nearly 4 weeks and picking my new car up today so need insurance ASAP.

I've had a look at other insurers but there is always the question of whether or not your insurance has been refused or cancelled, so i'm basically screwed.

Thank you very much in this matter everyone


Banarama

TBagpuss

it may be worth telephoning, rather than trying to get a quote online. That way, you can explain that you have had them decline but have been advised by QMH it is a glitch on the system, not an issue with your application. That way, you are providing full disclosure.

atrixblue.-MFR-.

just because you have been declined a quote does not mean you have to declare it as cancelled policy to others.


what is normal for insurance companies, is that once you have a accident, your car is written off, that the policy is paid out in full and what you owe on the remainder is taken off the payout for the car plus excess (where its due to be paid to them) and the policy is shut down.
With your record history, they are entitled to refuse to you a quote if it exceeds their risk protections, I.E you have had 3 accident3 2 fault 1 non fault and their risk protection kicks in after 1 fault accident it seems, they gave you the benefit of the doubt for your second accident in short succession to the first and now this one has simply made their system say no no more policies for this person, may they seek elsewhere so if your car has been repaired or written off, and they have paid you out the policy is settled and closed, the refusal to take you back on is purely their risk policy's and that you don't have to declare them as refused voided or cancelled to another insurer.

Quentin

atrixblue.-MFR-. wrote: »

what is normal for insurance companies, is that once you have a accident, your car is written off, that the policy is paid out in full and what you owe on the remainder is taken off the payout for the car plus excess (where its due to be paid to them) and the policy is shut down......

Don't know if this is correctly describing what happens in "normal" circs, but it is certainly not what happens with the insurance company under discussion!


So if the OP is trying to add his new car onto his existing policy he needs to establish the reason for QMH refusing to cover the new car

It may be that they don't "like" the car, or do not insure anyone with x claims in 3 years (or similar) in which case it's not a disclosable matter. All the OP can do is find a new insurer.


Until he is told the reason for this he needs to be careful to tell any new insurer the truth.

InsideInsurance

Never polled the industry to find out what is "normal" but certainly a significant proportion allow you to transfer the residual of the policy onto a new vehicle as long as its done in a relatively short timescale. Naturally there may be additional premiums and admin fees for doing so and in some cases they may not be willing to insure the car in question due to normal underwriting rules.

Generally the refusal is not a "decline" but a "refusal to quote" which doesnt need to be declared to other insurers. EG if you were a newly qualified driver and had your Ford Ka off and decided to replace it with a new Rolls Royce Wraith then you'd find almost no insurer would want to touch you but thats not a declarable thing.

Speak to your current insurers and see what they intend to close the policy as. Normally it'd be customer cancelled in the case of an uninsurable vehicle according to their underwriting rules

banarama

My current insurers are quote me happy, I've only just renewed my insurance this year (May, 2014) so I'm trying to add my new car onto the policy.

InsideInsurance wrote: »

Normally it'd be customer cancelled in the case of an uninsurable vehicle according to their underwriting rules

I've been quoted by another insurer a reasonable amount for the year, but if QMH won't accept my new car onto the policy does that count as a refusal?


It's a very slow and long winded process trying to find anything out with QMH, they are unable to answer my question on the phone due to it not being about a claim. The emails i've sent have either been forwarded onto the claims team who've not replied/only told me basic information or not answered at all.

So in terms of my policy being 'closed' how does affect my current claim? As the Insurers are paying for my legal cover etc will this cease after I cancel the policy? Will I be then be held payable for solictor fees etc?

Thanks

banarama

Thankyou to everyone for replying - they've moved my new car onto the existing policy...and it's cheaper!


Appreciate your help

Quentin

banarama wrote: »

My current insurers are quote me happy, I've only just renewed my insurance this year (May, 2014) so I'm trying to add my new car onto the policy.



I've been quoted by another insurer a reasonable amount for the year, but if QMH won't accept my new car onto the policy does that count as a refusal?


It's a very slow and long winded process trying to find anything out with QMH, they are unable to answer my question on the phone due to it not being about a claim. The emails i've sent have either been forwarded onto the claims team who've not replied/only told me basic information or not answered at all.

So in terms of my policy being 'closed' how does affect my current claim? As the Insurers are paying for my legal cover etc will this cease after I cancel the policy? Will I be then be held payable for solictor fees etc?

Thanks

As posted, if they simply don't "like" your new car, then that's not a disclosable refusal.


You do need to find out the reason for their refusal before you can get this properly sorted.


(If your policy is being cancelled by them because your new car isn't acceptable it won't affect your current claim in any way.)

InsideInsurance

banarama wrote: »

I've been quoted by another insurer a reasonable amount for the year, but if QMH won't accept my new car onto the policy does that count as a refusal?

Not normally, its a decline to quote rather than a refusal but really you need QMH to confirm how they will be representing it

banarama wrote: »

So in terms of my policy being 'closed' how does affect my current claim? As the Insurers are paying for my legal cover etc will this cease after I cancel the policy? Will I be then be held payable for solictor fees etc?

Doesnt impact it. Motor insurance is writing on an date of loss trigger basis and so all that matters is that the incident that causes the claim occurs within the period of insurance. It doesnt matter what happens to the policy after that with the one exception of a cancellation back to inception which would normally only occur for fraud.