Cancelled motorbike insurance affecting my car insurance?

Hoganboy

Ive recently passed my driving test and have been searching up and down for the cheapest quotes to start building my no claims bonus with a car, however i have a cancelled insurance policy from 3 years ago when i stupidly did not pay my insurance for the moped. All of a sudden after making that clear on my insurance quotes, prices go from 1.2k straight up to 7k. Is there anything i can do to lower this as i just cant afford it whatsoever. Friends have suggested just lying as the cancelled policy was on a motorbike, not a car but i feel like that will make troubles worse

Quentin

See if a local broker (not Swinton) can help find s more sympathetic insurer.

Don't lie on your applications, having one cancelled policy to disclose is bad enough! Lie and you face the prospect of never getting cover when you get found out and hay 2 to disclose.

Nasqueron

Is cancelled for not paying the same as cancelled for say lying about points etc? You should check this with the insurer

garth549

Having a policy cancelled for non-payment is far less serious than if for example, you'd lied about claims.

The problem is you won't be able to get quotes online as all sites assume the 'worst' kind of cancellation (fraud or non-disclosure). You'll need to call and do quotes over the phone (a pain but you need to be honest).

A lot of insurers won't increase your premiums much (or at all) for a cancelled policy for non-payment. Try Aviva, they seem to be sympathetic to this sort of thing.

Also some insurers (eg DirectLine) only ask about cancellations in the last 5 years. So you could potentially switch to them in a couple of years without having to disclose it.

Mrs_Ryan

You don’t need to declare it as cancelled if it’s for non payment, only if it was cancelled for something like fraud.

Quentin

Mrs_Ryan wrote: »

You don’t need to declare it as cancelled if it’s for non payment, only if it was cancelled for something like fraud.

No. It would be dangerous to follow this advice

You need to answer the question regarding cancellation truthfully. The question used is along the lines of "have you or anyone to be covered had a policy cancelled by your insurer"

Marvel1

Mrs_Ryan wrote: »

You don’t need to declare it as cancelled if it’s for non payment, only if it was cancelled for something like fraud.

Ignore this and your friends advice.

Mrs_Ryan

Quentin wrote: »

No. It would be dangerous to follow this advice

You need to answer the question regarding cancellation truthfully. The question used is along the lines of "have you or anyone to be covered had a policy cancelled by your insurer"

I work in insurance (for a very large insurer) and I can assure you that my employer’s stance on it is that they do not regard a policy cancelled for non payment as having had a policy cancelled.
Speak to the individual insurers if you’re unsure of their particular stance on it.

Mrs_Ryan

Nasqueron wrote: »

Is cancelled for not paying the same as cancelled for say lying about points etc? You should check this with the insurer

No it isn’t! There’s some on here with some mistaken beliefs who have accused me of not knowing but do they work in insurance?

Well do any of you work in insurance?!

FlameCloud

Mrs_Ryan wrote: »

No it isn’t! There’s some on here with some mistaken beliefs who have accused me of not knowing but do they work in insurance?

Well do any of you work in insurance?!

Yes, I do, holding two lots of charted status. Your advice is dangerously wrong in that you are confusing your own employers advise with being fact for the wider market. Not all insurers take the stance yours perhaps does and appear to be encouraging people to provide false information on application forms.

Quentin

Mrs_Ryan wrote: »

I work in insurance (for a very large insurer) and I can assure you that my employer’s stance on it is that they do not regard a policy cancelled for non payment as having had a policy cancelled.

Whatever your own employer's stance is does not mean their employees can post dangerous advice like yours!

You are mistaken to think that posting authoritative advice is ok just because it's what happens where you work.