More Than Smart Wheels - Policy Cancellation - RSA advising on no need to inform new insurer

GavinC68

Good Evening

My son has had notice from MoreThan SmartWheels of impending cancellation of a telemetric policy due to unacceptable speeding.

Amongst other things, the cancellation notice advises this: "This cancellation is processed by RSA on your behalf. Any cancellation on this basis cannot be changed or reversed but does not need to be declared to any subsequent insurer."

The same phrases form part of the definition of "Irrevocable Cancellation" in my son's policy wording.

My question is (and I think this highly unlikely) does this mean it is acceptable, to a new insurer, to respond to that standard proposal question "have you ever had insurance cancelled (etc)" by answering "no"?

It appears that the crux of this is that MoreThan are positioning that it is my son who has cancelled the insurance by failing to abide by policy conditions rather than they themselves cancelling for the same reason - but, hey! - I'm no lawyer!

BTW: My son is definitely, after having to endure a long, vocal and tedious conversation with myself, FULLY aware this situation is entirely his fault. Understandably though, I think, we are all keen to lessen the impact of his mistakes as much as reasonably possible.

Anyone learned anything definitive from their experience with this? Any help would be much appreciated.

paddyandstumpy

You have it in writing from the insurer that it doesn't need to be declared.

Whilst I don't agree with what RSA say, the FOS would side with the consumer if a complaint got that far, so I'd say you'd be safe not to declare it.