Car insurance cancelled

Steveoce

So I was in a non fault accident and my car was written off. A few months later when I tried to transfer the policy to the new car I had bought I also asked to change my occupation (as I had gone from a student to working). The insurance company did not like the industry I am working in (gambling) and then cancelled the policy.

Obviously insurance companies ask if you had a policy cancelled or declined. Will I have to answer yes to that? I'm just annoyed as this now rules me out from a lot of companies that you can't ring up for a quote.

bengalknights

Im afraid this does count as a cancellation

neilmcl

bengalknights wrote: »

Im afraid this does count as a cancellation

I don't agree, they haven't cancelled the policy they've decided not to insure his new vehicle.

Nobbie1967

neilmcl wrote: »

I don't agree, they haven't cancelled the policy they've decided not to insure his new vehicle.

They tried to transfer the policy and when the company was told the new occupation they cancelled the policy. The policy was due to last a year (I presume) and the company has cancelled it due to the change of occupation, not the car. If the OP had informed the change of job on the old car the result would have been the same. The only way to avoid this would have been to cancel the policy yourself.

Quentin

Some poor advice here.


Your policy has been cancelled simply because your insurer doesn't cover your change of occupation.


This sort of "cancellation" doesn't need disclosing (can happen for changes of car/address/licence etc, where the insurer doesn't offer cover for the new car/address/licence)


Don't disclose the cancellation! (Your new job is going tomake your insurance more expensive anyway!)

Giles_K

I think the real question is if the new insurance provider can find out about the previous policies cancellation? If they do and you don't disclose it, it could cause problems (the argument being that it is something taken into their 'calculations').

In any case, it might be worth just asking your new provider (or a random one) whether or not it counts as a cancellation. I would say its better to be safe than sorry. As others have said, this is a contract that was active and is no longer, despite having an unfilled term. That would, in some eyes, count as cancellation.

Rain_Shadow

If the insurer has discontinued cover out of choice, because they don't cover the new occupation, should there be a return premium?

Quentin

Rain_Shadow wrote: »

If the insurer has discontinued cover out of choice, because they don't cover the new occupation, should there be a return premium?

Normally yes - the policy will set out what happens regarding refunds when the policy is cancelled by the insurer.

dannyrst

bengalknights wrote: »

Im afraid this does count as a cancellation

I'm pretty sure that when insurers ask if you have had a policy cancelled, they effectively mean voided.

I once changed car and my current insurer wouldn't insure me and my policy was cancelled. That doesn't class as a cancelled policy in the same way as someone who lies when taking out the policy and is found out and the insurance is cancelled/voided.

Quentin

dannyrst wrote: »

I'm pretty sure that when insurers ask if you have had a policy cancelled, they effectively mean voided.....

Exactly - a notifiable cancellation is one where the policyholder has defaulted in some way (fraudulent or inaccurate application/fraudulent claim/deliberately not disclosing convictions, claims/etc)


The OP hasn't defaulted at all! He just wanted to move the goalposts by his changing occupation to one not acceptable to the insurer.

neilmcl

dannyrst wrote: »

I'm pretty sure that when insurers ask if you have had a policy cancelled, they effectively mean voided.

I once changed car and my current insurer wouldn't insure me and my policy was cancelled. That doesn't class as a cancelled policy in the same way as someone who lies when taking out the policy and is found out and the insurance is cancelled/voided.

Exactly, cancelled is the wrong word, they've simply discontinued the policy.