Car Insurance Cancelled HELP

Norman_Castle

^ You would also be looking for insurance for a banned 17 year old with a policy voided for lying to insurers.

Buy a bike.

PW333

Buy a bike.

Best way out to be honest.

Quentin

DUTR wrote: »

.... I guess you could see if your family are willing to swap to a family policy.

That won't get round the issue.


Insurers always want to know if anyone to be covered by the policy has ever had a policy cancelled by an insurer (not just the policyholder)


As soon as you answer "yes", then the same problem the OP is facing now arises (ie. most insurers won't quote)

robsmg

Hi PW333,
Did you actually do what the insurance company is accusing you of? If not, challenged their decision, there have been occasions where insurance companies have said that drivers have done stuff however it has been proved that they haven't. I think WatchDog did a segment on this sort of thing about 4 months ago.

In terms of mis-representing the truth with the insurance company, you could also face legal action as car insurance is mandatory in the UK for driving on the roads, doing so without insurance is a criminal act.

In order to find someone who may cover you, type "car insurance companies for people who have had a policy cancelled" i have looked and got a broker as my first link who specialise in that kind of thing

csgohan4

Insurance fraud is actually quite serious, you will be on an insurance database for life and it will affect every type of insurance you potentially can think of, from Home insurance, gadget insurance to Car insurance e.t.c.


Lie at your peril as that will not sort this out.


Learn from your mistakes and make do with what you have. There is also no need to speed either.


Driving is not a right but earnt and to be respected.

GingerBob_3

FlameCloud wrote: »

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!

Leaving aside the 'young', insurance companies work on the basis that all their customers are like that anyway.


OP, if you've had insurance cancelled, this fact will be held on a central database for five years - I think CUE is the d/b here. What you might want to do at some point in the future - say six months time - if this cancellation is causing you grief, is to hit the CUE with a Subject Access Request (SAR) just to check that the cancellation is actually recorded against you (there may be other databases to check as well - ask the insurer who they lodge data with; they are obliged to tell you).

GingerBob_3

csgohan4 wrote: »

Insurance fraud is actually quite serious, you will be on an insurance database for life and it will affect every type of insurance you potentially can think of, from Home insurance, gadget insurance to Car insurance e.t.c.


Lie at your peril as that will not sort this out.


Learn from your mistakes and make do with what you have. There is also no need to speed either.


Driving is not a right but earnt and to be respected.

No. Five years.


Driving IS A RIGHT!! We don't yet live in a country like North Korea or Saudi Arabia. It is a right, but it comes with responsibilities and qualifying criteria.

Quentin

GingerBob wrote: »

I think CUE is the d/b here. What you might want to do at some point in the future - say six months time - if this cancellation is causing you grief, is to hit the CUE with a Subject Access Request (SAR) just to check that the cancellation is actually recorded against you.....

Paying CUE for a SAR to see if there is a cancellation is a waste of money!


The OP knows they have a cancellation!!


(And CUE records reported claims/injury etc, not cancellations)

csgohan4

GingerBob wrote: »

No. Five years.


Driving IS A RIGHT!! We don't yet live in a country like North Korea or Saudi Arabia. It is a right, but it comes with responsibilities and qualifying criteria.

You can't drive without a license and you can't continue to drive if you keep accumulating penalty points can you? So it's not a right but to be respected and not drive recklessly

GingerBob_3

Quentin wrote: »

Paying CUE for a SAR to see if there is a cancellation is a waste of money!


The OP knows they have a cancellation!!


(And CUE records reported claims/injury etc, not cancellations)

You're right. My mistake. It's this one:


http://www.theifr.org.uk/en/about/


Five year data retention.


The point about the SAR is not so much to do with the OP knowing he has a cancellation, but whether this fact has actually been recorded on a central database.