Car insurance after a cancelled policy

Markb1000

My daughter recently had her policy cancelled as a result of a failed direct debit payment.

As she has now had a policy cancelled, she is struggling to take out a new policy and the quotes are very expensive.  
It appears that insurance companies do not ask the reason for the cancellation therefore she is being treated the same as somebody who has had a policy cancelled due to fraud which does not appear fair.

Can anybody offer any advice?

Thank you

naedanger

Possibly try an insurance broker specialising in less common cover. They are more likely to go through detailed underwriting questions which should hopefully take into account the reason for the cancellation.

E.g. (Found at random, not a recommendation, search online for others):
https://www.adrianflux.co.uk/cancelled-car-insurance/?gclid=Cj0KCQiA7qP9BRCLARIsABDaZzgqf8pAPZAlt4VKwnHlkFQ_A40rjRVCPnNR2FVOUFdLOtP57_wjv2YaAl2PEALw_wcB

dunstonh

Also answered on your duplicate thread.

Livewire191

Just to pop in a handy hint, if she would like to keep an eye on her car insurance records or details go to mib.org.uk they will help they're there not just for accidents where non-insured drivers (!!!!!!) are concerned.

csgohan4

adrian flux barge pole for me, high inter policy charges for changes and their reviews are not great. 

[Deleted User]

Best thing to do is go back to the insurer who cancelled and ask them if you need to declare it as cancelled. If they say yes then ask if there are other options, it rise a complaint. Cancellation is a bit of an over reaction to one missed payment. Maybe they will restart it if she pays.

dunstonh

Best thing to do is go back to the insurer who cancelled and ask them if you need to declare it as cancelled.

That wont work. it is not for the original insurer to dictate to another insurer what they class as a cancellation.

[Deleted User]

dunstonh said:

Best thing to do is go back to the insurer who cancelled and ask them if you need to declare it as cancelled.

That wont work. it is not for the original insurer to dictate to another insurer what they class as a cancellation.

It is, they will decide if it goes down on the database as a cancellation or not.

dunstonh

[DELETED USER] said:

dunstonh said:

Best thing to do is go back to the insurer who cancelled and ask them if you need to declare it as cancelled.

That wont work. it is not for the original insurer to dictate to another insurer what they class as a cancellation.

It is, they will decide if it goes down on the database as a cancellation or not.

Doesn't matter.  The old insurer can decide how it is recorded but the new insurer decides on whether they treat it as a cancellation or not.

Sandtree

[DELETED USER] said:

dunstonh said:

Best thing to do is go back to the insurer who cancelled and ask them if you need to declare it as cancelled.

That wont work. it is not for the original insurer to dictate to another insurer what they class as a cancellation.

It is, they will decide if it goes down on the database as a cancellation or not.

CUE etc is only about what other insurers can determin systematically, it doesnt change the facts of the matter (though if its not been recorded in CUE by either the original insurer or any subsequent insurers then more people would be tempted to add fraud to their list of transgretions and no longer mention the cancellation)