If Iv cancelled not them

elb86

Hi. New here and in need of advice.
Last year whilst owning a car and having insurance, i went and  bought another car.  I ended up getting insurance for the new car from a different insurance company as when I rang the insurance on my 1st car they wanted to make it a multi policy but that would mean instead the the insurance ending in January on my 1st car it would go till August in-line with the new car and I didn’t want that as I was gonna be selling the 1st car.  I needed up selling 1st car in November.

So did the whole thing of letting insurance know about wanting to cancel policy as I didn’t own car 1 anymore. So they cancelled the policy for me. But now I’m coming up to new car policy renewal date I have earned 1 year ncb but whilst I had 1st car I’d earned 3 years.  I did ring new car insurance up beginning of year and they said they’d have to be added on at renewal.  

But looking at my my proof of no claims that were emailed to me it basically says sorry to hear your cancelling but on the letter they also sent it just says cancelled and I’m worried that if I need to send the letter of proof  they’ll just see cancelled. They might think they cancelled it,not me.

Does the company need you to tell them about how you’ve cancelled a policy or only if you ever had a policy cancelled. As it says a bit like “have you had a policy cancelled, void” etc 

just really worrying 

thank you x

Herzlos

People cancel policies all of the time, that's fine. This is confirmation that you've cancelled it.
What the "have you ever had a policy cancelled" is asking if they've decided to cancel it (because you've violated the rules somehow). They didn't do that here.

elb86

So although the letter with ncb years on say  cancelled, It should be ok?  And having to tell them about a cancelled policy would only be if an insurer had cancelled it?  Sorry I’m a right worrier

shaun_from_Africa

elb86 said:

So although the letter with ncb years on say  cancelled, It should be ok? 

It's quite likely that you won't even be asked to provide proof of your NCB. I've changed insurers every year for about the last 6 or 7 and I've never once been asked for evidence of NCB. They do generally say that you may have to provide this but I've never had to.

elb86

I know when Iv changed from year to year I’ve never been asked but I thought cause I already had the policy and Iv been with them a year and obviously I had to put down 0 ncb at the time as my ncb we’re  on the other policy they might want written down evidence.  I just worry as the letter said cancelled and I don’t want them thinking it’s got cancelled by previous insurer 

So basically i only ever need to inform them if it was cancelled their end not if id cancel a policy 

mattyprice4004

If in doubt, include a brief covering letter explaining the circumstances.