Insurance Cancellation Question

molerat

Quentin wrote: »

You cannot get a policy cancellation "marker" removed after a set period of time.


As previously posted its on your record for life

But the marker should not have been put there in the first place. There was no justification for the cancellation as the risk that had been quoted for and accepted had not changed.

Quentin

As has been explained you cannot raise complaints after this length of time.

And bear in mind the op had 2 "markers" (the home insurance cancellation and the refusal to renew the car), meaning were the op able to make the complaint you are advising ( and have it upheld) the op would still be in the same hole.

GingerBob_3

Any info on this database business? What is the central repository, on what legal basis does it exist?

takman

Surely you shouldn't have had to say you had your house insurance cancelled to every insurer!. There was a change in the cover you required (extra person in the house) so they discontinued the cover because they were not happy to take the risk.

Just like if you change cars and the insurance company won't insure the new car. It's not a cancellation that you have to declare because the terms if cover have changed so the policy was discontinued.

I think you have shot yourself in the foot by declaring it all these years and wasted thousands!!

molerat

Quentin wrote: »

As has been explained you cannot raise complaints after this length of time.

And bear in mind the op had 2 "markers" (the home insurance cancellation and the refusal to renew the car), meaning were the op able to make the complaint you are advising ( and have it upheld) the op would still be in the same hole.

So you are stating that a marker that was incorrectly put on a database cannot be removed ? I doubt that. Maybe there is no recourse through the ombudsman but they should be able to complain through DL's own procedure and then on to the ICO.

FutureGirl

You can try and complain to DL, but it would have been better to complain at the time, rather than 7 years later as I'm sure certain details they wouldn't have kept for this length of time.

Do you have the name of the adviser, and the date / time of the call where they said that they would accept the risk? If not, then I doubt you'd get anywhere as there is nothing for them to investigate.

System

Quentin wrote: »

And bear in mind the op had 2 "markers" (the home insurance cancellation and the refusal to renew the car), .

We are often advised on this forum that declining to quote or to renew is not the same as a cancellation.
Is that true or not?

Quentin

It's patently true as they are 3 different things!


It's the circumstances of the cancellation/declination to quote or renew that matter!

CrazyRed

takman wrote: »

Surely you shouldn't have had to say you had your house insurance cancelled to every insurer!. There was a change in the cover you required (extra person in the house) so they discontinued the cover because they were not happy to take the risk.

Just like if you change cars and the insurance company won't insure the new car. It's not a cancellation that you have to declare because the terms if cover have changed so the policy was discontinued.

I think you have shot yourself in the foot by declaring it all these years and wasted thousands!!

I take that point (and all the others on this thread - many thanks for all the replies) on board. However, the reason I have been declaring it is because DL's words on the phone were quite clear - "cancellation". I could have accepted it if it was a discontinuation, and they had declared it as such, but they used the dreaded "C" word, which immediately put me on my guard.

Obviously, I have no wish to have any claim that I may make in the future disallowed, therefore, as I said, under the "principle of utmost good faith" I declared this. Perhaps that was erroneous on my part, perhaps it wasn't - that's the purpose of this thread is to discover whether (a) I SHOULD have declared this (I think the general answer to that is "yes") and more importantly (b) now I have served what could be termed a "reasonable sentence" of punishment for my lack of good judgement in letting a member of my family come home to their home after their punishment, is there anywhere I can find out EXACTLY what has been recorded, so I can request that this 'marker' gets removed and my car insurance premiums returned from the stratosphere to somewhere approaching Planet Earth once more? (the answer to that one still is a little unclear in my mind, reading the couple of threads on cancellation on this sub-forum).

It looks like I am going to have to attempt communication with DL and find out precisely what they did all those years ago (assuming there is still a record somewhere, of course - there may not be by now) and then take it from there.

To clarify : The car policy, at the time, WAS NOT cancelled - there was no material change of risk there as this family member did not drive - and it was by mutual agreement that I chose not to give my business to DL ever again going forwards (I suspect, actually, they wouldn't welcome quoting me again - which suits me just fine).

System

Quentin wrote: »

It's patently true as they are 3 different things!

So the refusal to renew the car insurance is not declarable under the question "Have you ever had insurance cancelled?" , because it is patently a different thing.