Do I need to declare a cancelled policy?

Lovetotravel

It was cancelled by the insurer as I didn't have my paper part licence and by the time I applied for a new one and it arrived, they had cancelled my policy.

Do I need to declare this on my renewal?

Retrogamer

Sadly yes.

Having to declare a cancelled policy will cause your premiums to rise for life.

Don't declare it and risk having it cancelled again with no refunds or nullified for your own repairs in the event of an accident with them chasing you for any money they pay out to a third party.

Lovetotravel

What a pain!!

Thanks for your help.

Ectophile

I get the feeling that if you ever find yourself having problems supplying something to an insurance company - perhaps if you're waiting for a document from the DVLA - then you should always pre-emptively cancel the policy before they do.

You'll take a short-term financial hit on the early cancellation penalty, but you'll be able to honestly say that no insurance company has cancelled a policy you've had.

peter12345678910

I did not realise that it was so serious if your policy gets cancelled! Would forgetting to update your address when you move also lead to a cancelled poloicy?

Quentin

It could do if they took the view that you "forgot" deliberately and "found out" when you made a claim that was connected to the new address (especially if it's somewhere they aren't prepared to offer cover for).


So just tell them now. If they are happy to cover your new address the worst will be a premium adjustment (up or down) and admin fee.


If they don't want to continue cover because they don't "like" your address then your policy would be cancelled but that would not be a cancellation you would have to disclose in future.

Iceweasel

Lovetotravel wrote: »

It was cancelled by the insurer as I didn't have my paper part licence and by the time I applied for a new one and it arrived, they had cancelled my policy.

Do I need to declare this on my renewal?

I don't get this - how does a delay on a driving licence lead to a situation where you get a policy cancelled?

Surely there is more to this.

stator

Iceweasel wrote: »

I don't get this - how does a delay on a driving licence lead to a situation where you get a policy cancelled?

Surely there is more to this.

Some of the cheap internet insurers require you to e-mail photos of your driving licence and NCB and if you don't they will cancel the policy.
Sometimes people e-mail them and the company 'loses' them and cancels the policy anyway.
It's a minefield.

Someone needs to sort this out.
OP I suggest you write to your MP about this issue. IMO someone needs to tell the insurance companies to stop doing this on a 'for the rest of your life' basis. It's crazy to think that if you have a huge car accident and cause millions of pounds of damage, the insurance companies will have completely forgotten about it 10 years later. But if you forget to e-mail your NCB you get higher premiums for life!

LandyAndy

Ectophile wrote: »

I get the feeling that if you ever find yourself having problems supplying something to an insurance company - perhaps if you're waiting for a document from the DVLA - then you should always pre-emptively cancel the policy before they do.

You'll take a short-term financial hit on the early cancellation penalty, but you'll be able to honestly say that no insurance company has cancelled a policy you've had.

This is what I did. New insurers suspended cover 'pending investigation' when they discovered I hadn't declared a couple of windscreen replacements. My fault but they didn't cross my mind when answering the question about previous claims (I know better now). I cancelled before they could and went back to my old insurer cap in hand. Cost me about £300 IIRC but well worth it in the long run.


This was about seven or eight years ago and I have had no comeback since.

peter12345678910

Quentin wrote: »

It could do if they took the view that you "forgot" deliberately and "found out" when you made a claim that was connected to the new address (especially if it's somewhere they aren't prepared to offer cover for).


So just tell them now. If they are happy to cover your new address the worst will be a premium adjustment (up or down) and admin fee.


If they don't want to continue cover because they don't "like" your address then your policy would be cancelled but that would not be a cancellation you would have to disclose in future.

changed it, New policy starts in 2 weeks.