Getting car insurance

venomx

nottsphil said:

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. 

As it was a long time a go I can only vaguely remember.
There was a traffic light system whereby they judged my driving as green amber  or red. 
Driving at night would put me in amber or red and because it was most weekends they cancelled it out the blue 

nottsphil

venomx said:

nottsphil said:

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. 

As it was a long time a go I can only vaguely remember.
There was a traffic light system whereby they judged my driving as green amber  or red. 
Driving at night would put me in amber or red and because it was most weekends they cancelled it out the blue 

So are you saying that you didn't contravene any of the conditions yet they cancelled it without guiding you away from your nighttime usage?
If so, Britain's insurance  industry is truly broken because that decision appears to have blighted your premiums for life. 

Car_54

nottsphil said:

venomx said:

nottsphil said:

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. 

As it was a long time a go I can only vaguely remember.
There was a traffic light system whereby they judged my driving as green amber  or red. 
Driving at night would put me in amber or red and because it was most weekends they cancelled it out the blue 

So are you saying that you didn't contravene any of the conditions yet they cancelled it without guiding you away from your nighttime usage?
If so, Britain's insurance  industry is truly broken because that decision appears to have blighted your premiums for life.

That is a very far-reaching and intemperate conclusion to draw from one isolated incident. An incident, by the way, where we have only one side of the story, and that which the OP can only "vaguely remember".

venomx

It was nothing serious as I have never had any points on my license.  It does affect my premium but not extortionately. 
As far as I remember they said not to drive after a certain time in the evening  and I went against it. Hence they cancelled it and we went elsewhere.  This is 8 years ago, and my mental health is far better and I'm much more responsible these days. And not to forget before I step foot in a car I need to have it ticked off by the DVLA and my consultant 

The positive is when I build up a no claims it will bring it down 

born_again

venomx said:

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 

I would trying going direct to each company. Some may apply different wording on the question. While the comparison sites will be based on worst case.
Also try the cashback sites which may save a bit more. 

venomx

born_again said:

venomx said:

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 

I would trying going direct to each company. Some may apply different wording on the question. While the comparison sites will be based on worst case.
Also try the cashback sites which may save a bit more. 

Once I get a response from the DVLA  regarding which license they give me I'll have a thorough look. Right now I can only speculate at the worst case of it being a 1 or  2 year restricted 

Grumpy_chap

It may be best not to shop around too much with speculative data.  I recognise you are keen to get into your own transport again, but if you do too many speculative enquiries, when you come to do the actual enquiry and ready to proceed, you may find that quotes are inflated or declined because of all the changes and the insurance companies not really knowing what to believe.

venomx

Grumpy_chap said:

It may be best not to shop around too much with speculative data.  I recognise you are keen to get into your own transport again, but if you do too many speculative enquiries, when you come to do the actual enquiry and ready to proceed, you may find that quotes are inflated or declined because of all the changes and the insurance companies not really knowing what to believe.

Ok fair enough.  I'll wait now then, thanks !

AdrianC

nottsphil said:

venomx said:

nottsphil said:

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. 

As it was a long time a go I can only vaguely remember.
There was a traffic light system whereby they judged my driving as green amber  or red. 
Driving at night would put me in amber or red and because it was most weekends they cancelled it out the blue 

So are you saying that you didn't contravene any of the conditions yet they cancelled it without guiding you away from your nighttime usage?
If so, Britain's insurance  industry is truly broken because that decision appears to have blighted your premiums for life. 

As he says, "black box" policies rate on a traffic light.
Consistently driving into the red will get warnings before cancellation.

Young drivers are most likely to drive poorly at night, and to have large (expensive) collisions at night, often with life-changing or life-ending outcomes for people either in the car or in its path - that's a basic statistical fact. Hence, insurance rewards those young drivers who do not, and insurers do not want to cover drivers who do. This is all information that would have been given to the OP at the policy inception.

Given the OP's health issues at the time, I think it's safe to assume that sensible decisions around monitoring and reacting to those traffic lights and warning were not being made - and the cancellation was not unheralded...

venomx

Yeah that sounds about right . There may have been some reprimand before cancelling however like I said it was 8 year a go.

I hope I haven't knackered the system after doing some speculative quotes.  
It's at least 2 months or so until I'll be looking to get insurance so I'll stay clear from getting quotes now.