My black box insurance was cancelled because of "speeding" which I didn't do? Please help!

sabtokin

I was with General accidents who issued me warnings for speeding which I know I didn't do. According to their terms and conditions for the policy, to get a speeding warning I have to be:

• Exceeding 45mph in a 30mph zone

• Exceeding 60mph in a 40 mph zone

• Exceeding 75mph in a 50mph zone

• Exceeding 90mph in a 60mph zone

• Exceeding 100mph in a 70mph zone

The most recent time that I was "speeding" which resulted in a cancellation was when I was travelling 49mph on a 40mph road. According to their policy this doesn't consitute a cancellation/speeding warning. But they cancelled me and I don't know why? It might be possible that they got the speed limit of the road mixed up because the same road is 30mph at the start and becomes 40mph later on (when I was going 49mph) so maybe they thought I was still on the 30mph road? I'm not sure what to do.

All the trip reports are on my app so I sort of have evidence that I was never truly speeding according to their definition of speeding.

This will make my insurance sky high and I really don't want my mum to find out that it's been cancelled - any advice/help please? Is there any way I can get them to stop the cancellation as I believe they did it incorrectly?

Quentin

Whenever you are not happy with your insurance company the route to go down is a complaint in line with their complaints procedure

Then if you are not happy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you

You say you don't want this to get to your mother

But if you are a named driver on her insurance or anyone else's you MUST tell them!

Otherwise they face having their policies cancelled due to non disclosure which could be extremely expensive ( especially if it comes when a claim is being made!)

And you must tell any insurer you now approach for a quote about this cancellation

sabtokin

Quentin wrote: »

OnWhenever you are not happy with your insurance company the route to go down is a complaint in line with their complaints procedure

Then if you are not happy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you

You say you don't want this to get to your mother

But if you are a named driver on her insurance or anyone else's you MUST tell them!

Otherwise they face having their policies cancelled due to non disclosure which could be extremely expensive ( especially if it comes when a claim is being made!)

And you must tell any insurer you now approach for a quote about this cancellation

Thanks for the reply! I've sent an email and hopefully they'll reply.

I'm not a named driver on my mother's policy or anyone else's - I'm just worried that she'd be very dissapointed to find out that it's been cancelled.

angrycrow

There terms and conditions which you agreed are also likely to state they can cancel the policy if there are frequent instances of speeding which appears to be the case from what you have told us already.

Given the black box and fear of telling your mum I assume you are a new driver. Remember if you have held your licence less than two years it will be revoked if you rack up 6 or more points. You only need two speeding convictions to have your licence revoked. Might be time to get that right foot back under control.

warby68

You have quoted the 'excessive' speeding limits which result in immediate cancellation.

There is also a 'minor' speeding condition where you receive an email warning and where 3 of these in a rolling 30 day period can also result in cancellation

sabtokin

warby68 wrote: »

You have quoted the 'excessive' speeding limits which result in immediate cancellation.

There is also a 'minor' speeding condition where you receive an email warning and where 3 of these in a rolling 30 day period can also result in cancellation

You're right - I just noticed this and didn't notice it the first time (I don't check my e-mail regularly so I hadn't even noticed the speeding warnings the first time).

But I still don't think I was speeding as I usually go at the same speed as the speed limit - it must have only been for a few seconds or when the road changes from for example 40mph to 30mph? Do you think there's anything I could do to try to salvage the situation?

Boggles190

Do you think there's anything I could do to try to salvage the situation?

Probably not now, sounds like the insurer has complied with their T&Cs. Even though you say it's just a few seconds into the speed limit, you have to be at or below the limit before you enter it.

You might just have to accept it, find cover elsewhere and keep an eye on your emails more often!

sabtokin

angrycrow wrote: »

There terms and conditions which you agreed are also likely to state they can cancel the policy if there are frequent instances of speeding which appears to be the case from what you have told us already.

Given the black box and fear of telling your mum I assume you are a new driver. Remember if you have held your licence less than two years it will be revoked if you rack up 6 or more points. You only need two speeding convictions to have your licence revoked. Might be time to get that right foot back under control.

Indeed I am a new driver but I have been driving for more than 2 years.

I'm not really sure what to do now. I won't ever speed again obviously, no matter how briefly (I don't usually anyway but that's not the point I suppose). Do I look for new insurance? Do I try to appeal on the grounds that I still don't actually think I was speeding? (the black box recorded 49 but honsetly I'm not sure how accurate it is since I don't usually speed at all - I think the most I remember doing is probably about 45 on a 40 road).

sabtokin

Boggles190 wrote: »

Probably not now, sounds like the insurer has complied with their T&Cs. Even though you say it's just a few seconds into the speed limit, you have to be at or below the limit before you enter it.

You might just have to accept it, find cover elsewhere and keep an eye on your emails more often!

Thanks for the advice... I still am not certain I was actually speeding because usually I do the speed limit and the most I've probably ever gone on a 40 road is about 44 or 45? Could I appeal and ask for evidence?

In terms of looking for new insurance, is there anything I can do to make it cheaper? For example being a second driver instead of a first this time or are there any brokers that are good for this sort of thing? >_< I feel so lost and dissapointed in myself though (comparethemarket is giving me prices £2000 more expensive than what I paid this year...)

Boggles190

Have they actuallu cancelled the policy or issued you with a notice saying the policy will be cancelled in XX days?

You can always try to appeal their decision, you've nothing to lose. You will be best of having evidence for all of the alleged speeding incidents, not just the one where 49 was recorded and also why you didn't respond to their emails notifying you of alleged speeding incidents.

I would also look for new cover at the same time, that way you've got all bases covered if they maintain their decision to cancel.

sabtokin

Boggles190 wrote: »

Have they actuallu cancelled the policy or issued you with a notice saying the policy will be cancelled in XX days?

You can always try to appeal their decision, you've nothing to lose. You will be best of having evidence for all of the alleged speeding incidents, not just the one where 49 was recorded and also why you didn't respond to their emails notifying you of alleged speeding incidents.

I would also look for new cover at the same time, that way you've got all bases covered if they maintain their decision to cancel.

Unfortunately the 7 day cancellation warning email was on the 21st of June and they so they've already cancelled my policy. Is it too late to appeal now? I don't have any reason why I didn't respond to the emails other than just not having checked my emails in a very long time.

I'm not sure where to look for insurance as comparethemarket is giving me prices £2000 higher than what I usually pay.