Refused quote for named driver

peace4

I have recently contacted my insurance company to add my son to my policy but was informed that the underwriters declined to quote. Is this something that he now needs to declare as having been refused insurance for all future quotes? Don't want to try other options if being declined in this way is taken into account. Thanks

angrycrow

No he does not need to declare it. Your son does not fit within their chosen underwriting criteria, could be due to age (saga limit this), previous claims or previous convictions. They have not refused insurance they have simply declined to quote. 

TooManyPoints

And of course your son has not been refused anything at all - you have.

onlyfoolsandparking

If it helps at all my insurance declined to renew my policy when I made a vehicle change (they did accept the bike change with only 5 weeks to run gaining me another years NCB so fair enough I guess) which I must admit surprised me a tad. However after thinking about it I concluded they just didn't have any specialist 'Hyper bike' insurers on their panel. I shopped around and actually got a cheaper quote via a new insurer so did me a favour declining renewal. Shop around it's the only way these days. 

master_blaster_44

onlyfoolsandparking said:

If it helps at all my insurance declined to renew my policy when I made a vehicle change (they did accept the bike change with only 5 weeks to run gaining me another years NCB so fair enough I guess) which I must admit surprised me a tad. However after thinking about it I concluded they just didn't have any specialist 'Hyper bike' insurers on their panel. I shopped around and actually got a cheaper quote via a new insurer so did me a favour declining renewal. Shop around it's the only way these days. 

Cool story bro'

born_again

master_blaster_44 said:

onlyfoolsandparking said:

If it helps at all my insurance declined to renew my policy when I made a vehicle change (they did accept the bike change with only 5 weeks to run gaining me another years NCB so fair enough I guess) which I must admit surprised me a tad. However after thinking about it I concluded they just didn't have any specialist 'Hyper bike' insurers on their panel. I shopped around and actually got a cheaper quote via a new insurer so did me a favour declining renewal. Shop around it's the only way these days. 

Cool story bro'

If they were upgrading from a 125 to a larger bike then possible. As many underwriters only deal with 125 (L) and are not interested once test passed and getting a larger bike.

onlyfoolsandparking

born_again said:

master_blaster_44 said:

onlyfoolsandparking said:

If it helps at all my insurance declined to renew my policy when I made a vehicle change (they did accept the bike change with only 5 weeks to run gaining me another years NCB so fair enough I guess) which I must admit surprised me a tad. However after thinking about it I concluded they just didn't have any specialist 'Hyper bike' insurers on their panel. I shopped around and actually got a cheaper quote via a new insurer so did me a favour declining renewal. Shop around it's the only way these days. 

Cool story bro'

If they were upgrading from a 125 to a larger bike then possible. As many underwriters only deal with 125 (L) and are not interested once test passed and getting a larger bike.

Long time since I was on a learner bike, it was actually an 850cc bike (value £7000)  I changed to a 1000cc bike (value £13000) and I guess they just didn't insure that high of a risk?

No idea why It's a cool story though??