Getting car insurance

venomx

Had some reasonable quotes ( £48 per month for a fiesta )
Until I forgot I had to declare that I'd had insurance cancelled in the past,  which I did have one cancelled 8 years ago as an irresponsible teenager . This then increased the quote to about £65
Do I still have to declare this even if it was that long ago? 

Hasbeen

You have to answer any questions truthfully. So yes.
But believe 5 yes is normal?

TooManyPoints

It's unfortunate that having an insurance policy cancelled is not a criminal offence  

If it was, those suffering it would be able to take advantage of the "Rehabilitation of Offenders' Act" and would not be required to declare the fact after the sentence had been "spent." As it is, it is not subject to the Act and insurers can (and usually do) ask "have you ever had a policy cancelled?" So having it done one to you means you must declare it for the rest of your life and it di not usually restricted to motor insurance. Insurers providing household insurance often ask the same question.

pogofish

It depends on the company - Some do place a 5 year or something similar limit on having to declare a cancellation but others not.  Direct Line was one I saw recently with a five year cut-off.

You need to research the T&Cs of the companies you are thinking on getting quotes from before applying.

pogofish

TooManyPoints said:

Insurers providing household insurance often ask the same question.

And it is important to remember that some companies (eg Halifax - and they don't have a time limit.) will hold a motor policy cancellation against you for household/buildings insurance as well.

AdrianC

What is the question being asked?

Is it "...within the last X years?" or is it "...ever?"

Answer honestly... unless you want to have a policy cancelled again...

BTW, you are not "paying £x/month". You are buying an annual policy. You are taking out finance to pay for it monthly. That finance is not going to be free.

macman

Buying motor insurance (or indeed any insurance) on credit really is a mug's game. Invariably better to borrow elsewhere if you have to at a lower rate, and pay it all upfront.

venomx

I've been checking quotes on moneysupermarket. 
After closer inspection it says if you have " ever " had insurance cancelled.  To which I will answer yes to when I do come to get insurance.  I just think that's a bit unfair. 
Other thing is I could always call up the insurer and ask them directly 

I'll definitely take it anually rather than monthly 

foxy-stoat

Just one of them things, as you have had a policy cancelled by the insurers its a material fact.  If the premiums get too high then you could always try a broker and explain the circumstances around it and it may be less painful.  How irresponsible were you to of had your insurance cancelled?

venomx

foxy-stoat said:

Just one of them things, as you have had a policy cancelled by the insurers its a material fact.  If the premiums get too high then you could always try a broker and explain the circumstances around it and it may be less painful.  How irresponsible were you to of had your insurance cancelled?

It involved one of them black boxes , I was driving through the night at times and they cancelled it

nottsphil

venomx said:

foxy-stoat said:

Just one of them things, as you have had a policy cancelled by the insurers its a material fact.  If the premiums get too high then you could always try a broker and explain the circumstances around it and it may be less painful.  How irresponsible were you to of had your insurance cancelled?

It involved one of them black boxes , I was driving through the night at times and they cancelled it

With no intention of being critical, can you tell me if this was through exceeding some night-time driving allowance or was driving always prohibited at that time? If it's simply a case of them not liking the amount of night-time driving you were doing and they cancelled it without warning, that would be outrageous.