Denied insurance by endsleigh

Danmckenna21

I've been shopping around for car insurance and tried to join endsleigh
After finishing all the info they said they couldn't offer me a quote at this time.
I have an unspent non motoring conviction. This is the only thing I can think of that would stop the offering me cover.

Do I now have to declare this as being refused cover or does their wording mean otherwise?
Could this be down to anything else?
What do I do from here?

forgotmyname

Possibly, maybe its the conviction, maybe its the car, maybe its the postcode or a combination of them all.

Go elsewhere.

Aretnap

No, declining to quote is not the same as refusing to insure. Everybody who puts their details into a price comparison site will find that there are some insurers who won't quote for their details (Saga for example won't quote for anybody under 50). If that had to be declared, everybody would have to say yes they'd been refused insurance, so it would be a pointless question.

AIUI a declarable refusal to insure comes when an insurer gives you a quote, then decides not to insure you after all, usually because you've lied about something in your application. It was more common in the days when you bought insurance from a man in your local high street who would give you a temporary cover note at first while your application was finalised, which could take several days. Nowadays thanks to the Internet you can buy insurance in a few minutes, and lying on your application is more likely to result in a cancellation rather than a refusal to insure.

It could be down to all sorts of things - the car, your location, your age, your occupation, the conviction, or some combination of all of them. But if you're applying over the Internet I would have thought that a non-motoring conviction would make that difficult - it's the sort of thing the typical website would not be set up to take account of and you might need to speak to a real person to explain what the conviction was for. (If it was for dropping litter I don't imagine you'll have too many problems - if it was for insurance fraud you might) iIf you find that a lot of mainstream insurers won't quote for you, you might have to look for specialists.

dacouch

A lot of Insurers check your credit record, mainly as an identity check.

Are you on the electoral roll at your current address?