Car Insurance cancelled...HELP!!!

Arfyyy

Guys thank you so much for all your reply, due to family emergency i have been busy, i will respond to all later today...my mum is actually in process of claiming ESA and she is 62, the differnece from housewife to unemplyed due to disability was from £965 to £1600+ will reply propery later ...thank again

dacouch

Arfyyy wrote: »

Guys thank you so much for all your reply, due to family emergency i have been busy, i will respond to all later today...my mum is actually in process of claiming ESA and she is 62, the differnece from housewife to unemplyed due to disability was from £965 to £1600+ will reply propery later ...thank again

Is your mother claiming her state or private pension?

If so she is likely to be retired rather than unemployed

[Deleted User]

Arfyyy wrote: »

Guys thank you so much for all your reply, due to family emergency i have been busy, i will respond to all later today...my mum is actually in process of claiming ESA and she is 62, the differnece from housewife to unemplyed due to disability was from £965 to £1600+ will reply propery later ...thank again

Ouch, that's a big jump in price. I'm guessing that's why they cancelled it as they thought you were trying to pull a fast one (I'm not accusing you of that BTW).

You're going to have to ask them nicely to remove it for you.

SimonSays

It doesn't sound like its a full on cancelled. It sounds like an Insurance Act Rescinded.

As in "The misrepresentation wasn't deliberate, the risk is still acceptable to us for AP. Customer refused. Lets act as if the contract was in place"

Technically everyone who has insured through a broker changed vehicle and that new vehicle is unacceptable to their current insurer so policy cancelled and a new one taken out.

But hey seems the armchairs know more than those whose have their Cert CII etc.

forgotmyname

In the process of claiming ESA but whats the cource of her current income?

JSA?

MEM62

If the OP's mum should also have declared her disability and didn't then this is likely to be the bigger issue. Insurance companies don't take kindly to the miss-declarations of this nature. Often, the difference in premium is considerable and they will assume that the omission was deliberate in order to reduce the insurance premium. It also leads them to have concerns over that other information may have been incorrectly declared.

ThinkingOutLoud_2

MEM62 wrote: »

If the OP's mum should also have declared her disability and didn't then this is likely to be the bigger issue.

I think you are wrong, I don't think she was asked about her disability.

If her insurer was to take her disability into account, the insurer would have to fully understand her specific and personal conditions and then justify their rating change accordingly / statistically.

Which insurers do you know of that underwrite car insurance in that way for disabled people?

(This is not the same as answering if the car is modified because of a disability, which is not the issue here)

MEM62

ThinkingOutLoud wrote: »

I think you are wrong, I don't think she was asked about her disability.

If her insurer was to take her disability into account, the insurer would have to fully understand her specific and personal conditions and then justify their rating change accordingly / statistically.

Which insurers do you know of that underwrite car insurance in that way for disabled people?

(This is not the same as answering if the car is modified because of a disability, which is not the issue here)

You would have to declare a disability when arranging motor insurance. There is no way the underwriter would not ask the question.

Quentin

MEM62 wrote: »

You would have to declare a disability when arranging motor insurance. There is no way the underwriter would not ask the question.

You are mistaken.

You won't be asked if you are disabled when applying for motor insurance.

ThinkingOutLoud_2

MEM62 wrote: »

You would have to declare a disability when arranging motor insurance. There is no way the underwriter would not ask the question.

You are wrong.

Worth a read if you don't get why insurers won't and / or stay away from trying to discriminate:-
https://www.moneyadviceservice.org.uk/en/articles/buying-insurance-if-youre-ill-or-disabled
https://www.citizensadvice.org.uk/consumer/discrimination-in-the-provision-of-goods-and-services1/goods-and-services-what-are-the-different-types-of-discrimination/what-doesn-t-count-as-unlawful-discrimination-in-goods-and-services/insurance-services-when-discrimination-is-allowed/

What they can and may do is charge more if you have expensive adaptions that would cost more to repair or add to the cost of a hire car during repairs. That is covered when asking if you have adapted or modified you car - it is not about the disability!