Car Insurance Cancelled HELP

rs65

PW333 wrote: »

I have called my insurance and
I asked if my cancellation information will be shared or put onto any databases.
She replied exactly this
'We do not share any of your information with other insurance companies'
However, it is only shared amongst the 'group' which is the RSA (Royal Sun Alliance) and its other partners. She also said that they do share information with the government if the information is needed, when will this information be needed?

From their own policy

We do not disclose your information to anyone outside the Group except:
• where we have your permission; or
• where we are required or permitted to do so by law; or
• to credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or
• where we may transfer rights and obligations under this agreement.

Quentin

PW333 wrote: »

Thanks for all the help/replies guys.

I have called my insurance and
I asked if my cancellation information will be shared or put onto any databases.
She replied exactly this
'We do not share any of your information with other insurance companies'
However, it is only shared amongst the 'group' which is the RSA (Royal Sun Alliance) and its other partners. She also said that they do share information with the government if the information is needed, when will this information be needed?

Thanks.

I

Everyone here(apart from Moonboy) has tried to point out the issues you face if you don't disclose this when asked about cancellations.


That advisor has misled you - (probably in ignorance of the reason behind your question or simply didn't know the correct answer)

Nasqueron

OP in the mean time, in response to an earlier question about how people get insurance starting from zero - get a low power car from group 1, especially something not popular with boy racers like an old Volvo or something and earn your NCB by driving carefully. My first car was an old Mazda saloon (it was a G reg but I don't think it was from 1968!) but even so it was about 20 years old (think it was from 1980-82) and cost £1000 to insure third party only. After a year it was just over £800 (I got a refund of over £130 when I finished university as the car was registered in a better area), after a couple of years no claims I was paying about £330

FutureGirl

Don't forget that if you do commit insurance fraud, it'll likely be updated on your credit file, meaning it won't be just car insurance you can't get. It can stop you getting mobile phones, a mortgage, any credit cards etc, and could even stop you getting certain jobs.

ThinkingOutLoud_2

So you won't have insurance if you are not honest - you will have only a bit of paper/pdf that you paid a few thousand for that is truly worth nothing.

Your license and your rep will see some court action as and when you are caught.

The motoring health of your car maybe the only thing left?

The only right you have to worry about is doing the right thing!

Chapuys

If you try and 'lie' to get insurance then if you have an accident and then the insurer finds out, the insurer will void the policy from inception, this is known as treating the policy as "ab initio" which would mean the policy never existed from the start. Therefore you could be be given a fixed penalty of £300 and 6 penalty points and your car seized and crushed - just if you are caught. If the accident is deemed serious enough to go to court you could get an unlimited fine and be disqualified from driving. That doesn't even go into the hardship someone might face without being able to claim against the insurance for life damaging injuries caused by yourself in a crash.

DavidF

This thread is just a cry for "Please show me how to get out of this pickle". There IS no way that the insurance companies would not update the COMMON shared database for each and every client. This is a mutually beneficial system for all of them.
4 years ago someone went into the side of me - All simple straight forward - bloke admitted fault right away and both his and my insurance settled what was a straight forward repair ect. Anyway come renewal I wasn't happy with renewal price so it was shop around time. So doing the usual i ended up with a price i was happy with having declared a no fault accident in all the details ect.....The website then suddenly threw up the we can't proceed here please call XXXXX so I did. The bloke on the other end of the phone said that in my form I had stated that I had a not at fault accident on XX/XX/XXXX He then said the database shows that you were the at fault party...which was rubbish. Anyway several calls back and forth from me to my previous insurers and then back to my new potential insurers "sorted" it all out and everything was straightened out as well as the insurance database corrected.
Moral of the story - THEY DO SHARE and it's LIVE REAL TIME.
What options do you have ? Broker or not drive or incredibly drive for a living under a traders policy. With your age too if you drive around without insurance then I would give you a month maximum before you got random pulled and then it would be game over. Younger guys are ripe for random stops....unless I was particularly criminal looking...I remember almost monthly trips with producers for nothing - And I was actually doing nothing other than driving lol.

Quentin

Chapuys wrote: »

....... That doesn't even go into the hardship someone might face without being able to claim against the insurance for life damaging injuries caused by yourself in a crash.

This is just scaremongering.


If you are injured by an uninsured driver you can still claim successfully via the MIB uninsured driver scheme (which is funded by the rest of the "legal" policyholders)

PW333

Thanks for all the replies, I guess its not worth doing so I will stick with either a bike or visiting my local broker.

Thank you

CKhalvashi

PW333 wrote: »

Thanks for all the replies, I guess its not worth doing so I will stick with either a bike or visiting my local broker.

Thank you

The only other option is a broker like Adrian Flux. They've always been able to find someone willing to quote at a decent price in the past, including a very non-standard car for an under-25 (built out of bits of 7-8 cars with a completely handbuilt body)

As above, don't lie to them, as in a worst case scenario you'd be looking at 'Obtaining services by deception' (= prison) and losing your license, assuming you've had it less than 2 years (no insurance = 6 points = ban)

What are you driving, out of interest?