Car Insurance Cancelled HELP

FlameCloud

If you've already disclosed the cancellation when using agregator sites, it maybe passed onto the insurer you take out a policy with (in case you forget about it at the time)

You sound like an ideal customer for a motor insurer though. Young, reckless, drives badly and dishonest. Who wouldnt want you!

PW333

@FlameCloud I understand what makes you write that I am young, reckless etc. but as the insurance prices are so high I don't understand how us young people can insure a car?! Everyone starts with ZERO to not so much experience when driving a car and you were lucky enough to have had your insurance cheap if you were insuring your first car before the 21 century.

FlameCloud

PW333 wrote: »

@FlameCloud I understand what makes you write that I am young, reckless etc. but as the insurance prices are so high I don't understand how us young people can insure a car?! Everyone starts with ZERO to not so much experience when driving a car and you were lucky enough to have had your insurance cheap if you were insuring your first car before the 21 century.

How do you know how old I am?

You had a chance to prove that you were different to all the other hot headed young drivers and failed. Your only sensible option is a broker but you'll be paying through the nose for it.

PW333

@FlameCloud do you think it would be very expensive with a broker?

DUTR

PW333 wrote: »

@FlameCloud do you think it would be very expensive with a broker?

A broker just links with the insurance companies, they may check before you even get to make a claim, I don't really know the answer to your quiery, as for them to cancel it, you may have been speeding or driving outside the permitted hours on numerous occasions, I guess you could see if your family are willing to swap to a family policy.

PW333

A broker just links with the insurance companies, they may check before you even get to make a claim, I don't really know the answer to your quiery, as for them to cancel it, you may have been speeding or driving outside the permitted hours on numerous occasions, I guess you could see if your family are willing to swap to a family policy.

thanks for the help

McKneff

But even going in a family policy it would still have to be declared...putting their premiums up

PW333

But even going in a family policy it would still have to be declared...putting their premiums up

True, so what can I do in my situation? Wait 2 years? Since I really need transport I might get a bike

Quentin

PW333 wrote: »

So until I'm involved in a claim, right?....

You look to have mistakenly grasped at my suggestion that it might be at the time of a claim that you get found out if you lie about your cancellation.

That was not my intention!

The point is that if you lie you face major problems whenever you get found out. (Insurers do share this type of information with each other!)

Your lie would allow the insurer to void your policy.

And if they did this after a claim then you face having to pay your own repairs and should a third party make a successful claim against you, then your insurer could come to you to reimburse them any costs they incur in paying a third party for repairs/injury/lost earnings etc!

Quentin

PW333 wrote: »

True, so what can I do in my situation? Wait 2 years? Since I really need transport I might get a bike

A policy cancellation usually needs disclosing for ever more!