New Post Advanced Search

Coronavirus: The latest from MSE


The MSE team is working extremely hard to keep the info we have about your travel rights, cancellation rights, sick pay (and more) up to date.
The official MSE guides: NEW MSE Coronavirus Guides

NEWSFLASH 31/3
RESCUE FLIGHTS FOR STRANDED BRITS * SCHOOL MEALS VOUCHERS * BRIGHTHOUSE COLLAPSES

Insurance Question

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
4 replies 541 views
andrew1986andrew1986 Forumite
8 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Hi All.

I wonder whether anyone can help advise on this? I have searched the internet high and low for for further guidance etc but havent got very far.

I have applied recently for Income Protection insurance and have a history of mental health problems (mainly depression.) The insurance company requested to see a GP report and then declined to insure me based on that. This is however not the issue.

Now when I come to look for CAR insurance there is a question that asks "have you ever been refused insurance, had it cancelled, or any special terms involved." On comparison websites and individual companies it is a simple yes /no answer, and there is nothing where you can further elaborate on reasons why.

I have ran a few 'dummy' quotes to see what the difference is, and the results are that if you answer yes to this question many insurance providers wont give you a quote, and with the ones that do, your premium is raised by at least £50.

I am guessing the purpose behind this question is to try and weed out potential fraud and whether you have previously not declared something you've known to be true etc.

The question, is am i being discriminated against? If my original application was turned down due to medical reasons then should this make a difference for car insurance as it is totally unrelated (unlike say, travel insurance or life insurance would be.) There are no other 'health' questions on a car insurance application apart from are you DVLA fit which is not what this is about anyway.

Presumably everyone gets turned down for some time of insurance at some point in life so is everyone answering yes to this question?

If you have any advice or guidance, or have been in this situation yourself, then your help would be very much appreciated.

It's as though I am being punished for having depression through a cause which wasn't my fault, just because I've applied for insurance - its ridiculous and morally wrong.

Thank you!

Replies

  • QuentinQuentin Forumite
    40.4K posts
    ✭✭✭✭✭
    You have been turned down because of the pre existing psychiatric condition.

    Assuming the DVLA don't have to be informed of your condition then there is no need to disclose these 'refusals' when applying for motor quotes.

    (Were your dummy quotes totally anonymous??)
  • Quentin wrote: »
    You have been turned down because of the pre existing psychiatric condition.

    Assuming the DVLA don't have to be informed of your condition then there is no need to disclose these 'refusals' when applying for motor quotes.

    (Were your dummy quotes totally anonymous??)

    Thank you very much for responding!

    I am sorry to 'drill' you on this - but how do you know - is there any authority on this? I have tried to search the internet for answers to the question but I have found nothing....
  • andrew1986 wrote: »
    Thank you very much for responding!

    I am sorry to 'drill' you on this - but how do you know - is there any authority on this? I have tried to search the internet for answers to the question but I have found nothing....

    The problem I have, is the answer to the question is technically yes, I have had insurance refused - if you see what I mean?
  • QuentinQuentin Forumite
    40.4K posts
    ✭✭✭✭✭
    Go to the horses mouth for a definitive answer that will hopefully satisfy your doubt

    (Speak to your chosen insurer and explain an insurer refused you cover because of a pre existing condition, and take it from their reply)
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support