Previous void on insurance

dacouch

JRS1990 wrote: »

Thank you all, everything has been sorted. Void was declared for my mum originally and so she was paying hefty premiums. She told me they wouldn't accept me because she didn't really want me driving her car because it would mean even more expensive premiums than she has now. She had in fact never even asked the company about me! So now just going to save up for my own car and insure myself on that

The key to Insurance is that the Insurer must ask a clear question and you need to answer that question truthfully.

If the Insurer do not ask (A clear question) if you've been a named driver on a policy that has been void or if a family member has been responsible for a void policy then you have to answer it. It's unlikely an Insurer will ask you such a question.

There's a strong chance an Insurer would ask a question (Remember it must be clear) about whether any named driver you wish to include on your own policy has been the policy holder of a voided policy. In this case you would again need to answer it clearly and it could preclude you adding your mum to your policy