Had Personal Insurance cancelled

lisyloo

I have started a complaint within Hastings, if nothing comes from it I think the ombudsman is the next option?

Yes, but your talking months.

Callumatwal

Okay fine, here's another thing.

Fair enough the policy gets cancelled. So this means I have to tick that box that says "have you had insurance voided, cancelled or special terms imposed" right?

Not according to the manager I spoke with at Hastings. He repeatedly said (and was pretty rude about it saying did you not hear what I just told you), "you do not have to declare this".

Is he not giving me fradulent advice?
What if I follow his advice and get my next policy voided because of it gets flagged up or something

cajef

Callumatwal wrote: »

Is every little thing I do to make a buck here and there considered an occupation now?

If you are doing it for financial reward then it will be considered to be a part time occupation.

lisyloo

What if I follow his advice and get my next policy voided because of it gets flagged up or something

The you'll be in serious trouble if you get insurance voided/cancelled twice, either having massive premiums or no-one wanting to insure you.



To me "Have you had insurance cancelled" is a resounding yes.
If your new insurer says it's ok to say no under your circumstance then personally I'd request it in writing/email but I would not take hastings word for it.


If it's too hard work then find a high st broker to help you, then if you tell them the truth it will be their fault if it's wrong (but get evidence of the info they've been given).

Quentin

Callumatwal wrote: »

Fair enough the policy gets cancelled. So this means I have to tick that box that says "have you had insurance voided, cancelled or special terms imposed" right?

Not according to the manager I spoke with at Hastings. He repeatedly said (and was pretty rude about it saying did you not hear what I just told you), "you do not have to declare this".

Is he not giving me fradulent advice?
What if I follow his advice and get my next policy voided because of it gets flagged up or something

You must answer questions truthfully despite what this rude person has told you


Cancellations go on a shared database - to prevent customers simply going elsewhere and taking out a new policy without disclosing a cancellation


Ask Hastings to provide you with written confirmation that you do not need to disclose this cancellation to other insurers


If you get it then keep it on file for evermore!

forgotmyname

Its a job, you do some work and you get paid for that work.

You could be a student and then cutting grass at the weekends, if you get paid its a job.
Whether your technically employed or self emplyed etc does not matter.

Your working part time which would have been asked when you took out the policy. You should have informed them of the new job.

Delivery/courier etc can be quite expensive. Having additional cover could be a nightmare for them where both insurance companies could be held liable in a claim.

Callumatwal

So another rep at Hastings also has said the same thing. (I don't have to tick the terms imposed box) even though my policy with them has been cancelled by them.

He gave an example by saying "you only tick this box if it was something very serious which caused us to cancel the policy".

I've requested a recording of this (and the previous) phone calls and for this statement to be put in writing.

Anyone experienced here ever heard anything like this before?

Quentin

You would like to think that they wouldn't cancel a policy unless there was something serious to cause it.

If they are telling you this isn't serious you look to have grounds to complain you have been unfairly treated!

See if they do send you a confirmation this is not a "proper" cancellation and you need not to disclose it

Maybe ask them to confirm they haven't logged this cancelled policy on the shared database used by insurers to check on applicants history of any cancellation

Zorillo

It's likely they simply don't offer insurance for your 'situation'' so they are essentially choosing not to insure you, rather than cancelling because you've specifically broken the terms of your insurance.

It is a grey area, and you should insist on something in writing from Hastings.

Callumatwal

It's likely they simply don't offer insurance for your 'situation'' so they are essentially choosing not to insure you, rather than cancelling because you've specifically broken the terms of your insurance.

I thought this too however I said I wouldn't do deliveries in the future since I now know the impact it has on my personal policy. They said the "cancellation" will stand.

Is there anyone that I could take this situation to to get proper advice? Or is it worth notifying another insurer of the situation (however in my mind they'll turn their backs on me from hearing the word "cancellation")